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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Embrace gave us time to say goodbye
When we found out that our German Shepherd, Archer, had lymphoma we had to make some quick decisions. Without treatment, he was given days or weeks to live. As a terminal illness, our best hope was to pursue chemotherapy treatment to give us more time with him. Through Embrace, we got another 8 months with our sweet boy. Treatment that would have cost us over $10,000 was accessible with the help of our pet insurance where we paid under $2500 for our portion. Their customer service team truly cares and their online portal makes claims submissions a piece of cake.
Insurer: Embrace
By: Stephanie
Thank goodness for Trupanion pet insurance!
I made the mistake of not looking at my policy clearly and neglected to file claims for years...now that my dog is very sick and the bills are stacking up fast, I reviewed my policy and found that I could easily go back and submit claims for the last couple years of charges. This will definitely make a huge difference for me and will allow me to continue the critical care my dog needs.
Insurer: Trupanion
By: Tina
We love ASPCA pet insurance!
The staff has been very helpful, it is very easy to submit claims and I love that they check in on your pet when they see that something has happened.
Insurer: ASPCA
By: Megan
Wonderful
I just fond out that my dog has diabetes and he had to go and get all these different test . and the bills where a lot , but with the help of having Nationwide I was covered for all his medical bills.
Insurer: Nationwide
By: Penny
Excellent!
I got ASPCA after my puppy tore her first ACL, knowing that the chances of her 2nd one blowing out in the near future was high. About a month after her first accident and getting ASPCA, her 2nd ACL went. I have accident only which only cost me $25.00 a month. I had no problems with my claim of almost $3,500 for the surgery! They paid me back my 90% with no questions asked. I only had to fill out about 5 minutes worth of information on the ASPCA app and they handled the rest! Very thankful, and highly recommend this company!
Insurer: ASPCA
By: Kevin
Shock diagnosis did not bankrupt me, thanks to Embrace!
I have been an Embrace member for several years through USAA. I switched after my previous pet insurance went up to $800 a year for my cavachon, Calvin, despite his never having been diagnosed or treated for any chronic illness even at age 8. About a year after I switched plans to Embrace, routine "senior dog" bloodwork recommended annually by my vet detected extremely high liver enzyme levels. After various tests were inconclusive, my vet recommended a specialist who recommended a full liver biopsy with four liver samples taken. At that point, including the surgery needed for the biopsy, the total vet bills were upwards of $4,000. Then, once Calvin was diagnosed with copper storage disease, I had to pay for expensive medication to pull the excess copper out of his liver. Fortunately Embrace quickly reimbursed me everything but the small deductible and co-pay I had selected. Prior to this I had very recently been through a traumatic divorce, and my income was reduced over 75%. So, Embrace was salvation for me financially and emotionally, since Calvin was my sole comfort on many days, and I didn't have to worry that I would not be able to afford to care for him now that he was sick. I don't know what I would have done if I had not had Embrace. I recommend pet insurance to everyone now, and specifically Embrace. You never know what life will bring - be prepared to care for your pet!
Insurer: Embrace
By: Laura
Great Service From Nationwide
My dog ingested two whole moccasins (shoes). Endoscopy was required to remove the material from her stomach. I knew the vet bill was going to outrageous. Luckily, I have the major medical plan through Nationwide. They covered everything except my deductible. I was ecstatic. At first the monthly insurance payment seemed steep, but given these circumstances I find it well worth it.
Insurer: Nationwide
By: Kaleen
Nationwide is awesome
My dog had a growth taken off her nose and Nationwide covered almost her entire bill. I received a check in the mail about two weeks after I filed my claim.
Insurer: Nationwide
By: Wendy
Good coverage, some effort to collect
When signing up for insurance for a new puppy, we decided to include our older dog in spite of the greater expense to insure her. Later in the year, she suffered a scratched cornea that was not healing. It was good to feel confident that insurance would cover most of the several visits required to clear up the problem. Filling out, gathering and faxing forms and receipts, then arranging for a vet records review took some time and effort, but payment eventually came through as provided for by the policy.
Insurer: Nationwide
By: Stephen
Lovemypepa
Treatment was very costly but I was so glad that I had the insurance to give me at least some of my money back
Insurer: Nationwide
By: Marilyn