Claim Coverage
Explore detailed reviews about the claims process and coverage provided by pet insurance companies. See how quickly claims are approved, what’s actually covered, and how satisfied pet parents are with reimbursements.
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Very disappointed with the results of my recent claim.
Very disappointed with the results of my recent claim. Only $27 refund after paying $60 a month for the last 5 years! I spent $309 at the emergency room!
Insurer: Embrace
By: Terry
Worth Every Penny
Don't let their premium scare you into a lesser provider. When my female started having mysterious elbow pain, Embrace covered every diagnostic cost, and is now covering all of the expenses associated with her rehabilitation and long-term care (including acupuncture!!). I am so thankful to have them so that I could afford to do the full spectrum of diagnostics and not have to "guess" at a solution for my pup. The pet portal is easy to use, claims are processed quickly, and the customer service team is top-notch and very empathetic (we don't always think straight when our pups are hurting!). My only complaint is that I didn't opt for the RX coverage on both dogs, and increasing coverage results in another set of waiting periods and any accidents/illness covered before you up the coverage is considered pre-existing.
Insurer: Embrace
By: Jessica
Very happy with this insurance
Very professional,claim is taking care very fast,I am so happy
Insurer: Nationwide
By: Milka
Most down to earth and pleasant people I’ve ever had the pleasure of dealing with
The most down-to-earth and friendly people you could ever hope to deal with. There is no haggling to get your claim paid out. If it is anything other than routine preventative care they will cover it without giving you any headache. Great people all around.
Insurer: Healthy Paws
By: Rob
When the unthinkable happends, Embrace Pet Insurance comes through for our family
After a fairly routine cryptorchid procedure, our English Lab Luke got a nasty post-op infection. We had to rush him to the Emergency Vet at 11 PM. He had a long surgery to help drain and clear the infection. I was worried that it would not be covered by insurance because we didn't take out the wellness insurance for the neuter (we could afford to pay the neuter fee, why take out ins for that, right?) I downloaded the claim forms, filled them out, uploaded them and sent them in. Records were requested from the clinics involved in his care, and the claims were processed and paid within 4-5 days. The plan we chose was a reasonable monthly fee, and a $300 deductible for 80% is better insurance for my pet, then my own healthcare coverage! Our stress was sure less after receiving the email that a check on was on its way to us. I have looked at several other companies, Embrace was the BEST choice for our family. The ease of the process was about as seamless as it gets. Thanks again ~ Luke and his humans are greatful
Insurer: Embrace
By: Marie
Specialty Care Made Affordable!
When my 8 year old Shepherd mix required a Neurology consultant, I knew it would be pricey. I am so thankful for Embrace! Claims for Rocky's Ultrasound, MRI, bone biopsy and related diagnostics were handled without delay...over $5,000 in charges. If more pet owners were aware of how much top level veterinary care costs, they would consider insurance.
Insurer: Embrace
By: Cheryl
Awesome
The claim was handled quickly and in order. Speedy payment.
Insurer: Hartville
By: Beverly
PROMPT PROCESSING OF CLAIMS
I have had Nationwide (formally VIP) for many years for several dogs and have always found them to be fair and they process claims quickly.
Insurer: Nationwide
By: JAMES
Claim
Great job processing our claim quickly & professionally.
Insurer: Nationwide
By: Jessica
Outstanding service
My dog recently had a problem with his skin. This meant trips to the vet and some healthy charges. I put in a claim and received notification by e-mail that there was news on it. Since I'm not very good with the computer, I phoned and was helped almost immediately by a representative named James. There were-no endless menus and time waiting on the phone.. He told me that I would be getting a check soon. Finally a place where you talk to a person and not a machine, where you are treated like a customer, where you go away satisfied. I'm very satisfied that what I put into my monthly insurance payment is well worth it.
Insurer: Nationwide
By: Joy