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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Peace of Mind
Having the Nationwide coverage provides peace of mind for pet treatment. We have no hesitation in providing care for our poodle. Turnaround time is very fast—from sending claim form to receiving direct payment to our account. Very pleased with service!
Insurer: Nationwide
By: Judy
Broken Leg
My 2 year old schnauzer fell and broke her leg. As if that is not traumatic enough, the price tag for the emergency vet, surgery for placing two pins, and post care was extremely high. Nationwide processed the claim expeditiously and I am only out my deductible. Thank you so much Nationwide!
Insurer: Nationwide
By: Carolyn
Absolute lack of coverage transparency
I am a FIGO customer for nearly a year now. I'm transcribing below an e-mail/complaint I sent a week ago to their customer support, to which they didn't bother replying yet. I'll let you make your own judgement. 'I submitted claim # (XXX) under policy # (XXX) on January 27th 2018 for veterinary cost incurred on January 25th 2018. My claim was closed today (March 8th 2018) and was denied in its full amount. I understand that with any insurance policy there are exclusions. The reason for denying my claim was given as code 18: 'Denied due to specific exclusion in the policy terms and conditions'. I wanted to investigate further what were the specific exclusions in my policy that resulted in the denial of this claim. I therefore chatted with FIGO customer support. I was told that routine/preventive treatments are not covered, which I had read before in the FAQ section of FIGO's website. When I asked for documentation enumerating which treatments FIGO considers to be routine/preventive care, I learned, to my great surprise, that there was no such list. This is deeply unsettling (...) FIGO cannot simply say that routine/preventive care is not covered without specifically describing which treatments are considered routine/preventive. FIGO customers or even prospective customers have the right to know this information. By not sharing this information, FIGO can ultimately deny any claim by stating it pertains to routine/preventive care. The customer has no appealing power because he/she does not know what routine/preventive care really means. By omitting such apparently harmless information, FIGO is able to dictate the rules of any policy or claim as it wishes, leaving the customer completely powerless. This is a shameful strategy to extort premium payments from people without providing them with any transparency about the commercial agreement they sign off with FIGO. I would like to stress that my complaint is not about my claim (...) but about the general conduct of FIGO, revealing bad faith towards its clients.'
Insurer: Figo
By: Jorge
Fantastic Customer Service
I didn't need to use Embrace for the first several years I had Bentley. He was just too healthy. His 7th year of life has brought about some older age problems and I've had to use the vet a few times. Embrace has reimbursed my reimbursable expenses quickly and, most importantly, explained them to me fully. I have been impressed not only by this, but also by the friendliness of their customer service representatives. l recommend Embrace fully.
Insurer: Embrace
By: Martin
Wow, Just Wow
Our dog Jake has never been sick until age 7, then out of nowhere it looked like we were going to lose him. After several tension fraught days and thousands of dollars, I remembered I had bought Embrace Insurance at a friends recommendation the first month I got Jake. I had never heard of Pet Insurance Review, so this was strictly a friend's recommendation. I wasn't sure what to expect after Jake got sick and we filed the claims, but we told ourselves we would be happy with any support at all. Embrace went way beyond that. They were fast, efficient, and reimbursed just as their website says. They are fantastic and I highly recommend them. We can't thank them enough for being there for Jake and us.
Insurer: Embrace
By: Vic
Recommend Embrace to Everyone
We had spoken with a friend in September who had recommended getting pet insurance. After searching many options, Embrace was not only the cheapest, but had the most coverage for our dogs. Our 13 year old is starting to have some difficulties in the past month and Embrace has helped us not worry about the cost. Embrace has covered a very large portion of our $3,000 vet bills and keep us at ease when we need to go to the vet. For the first time, my mom and I are not worrying about finances or what credit card we need to put the costs on! I plan on using embrace with every animal that I get!
Insurer: Embrace
By: Evie
Embrace is an absolute lifesaver!
Recently, our girl had the terribly unfortunate diagnosis of squamous cell carcinoma, which brought on a few very expensive vet bills, including one for toe amputation. Embrace was absolutely exceptional- answered my many questions AND covered our bills. Luna is now living cancer-free.... Knowing we had Embrace on board helped make that possible. THANK YOU!!!!!
Insurer: Embrace
By: Melissa
Great customer service, easy to understand, prompt action.
This company has been very easy to work with with my dog's torn acl repairs. They covered claims as promised, promptly. The online system is easy to use to check claim status. My only reason for not rating it 10/10 is that the annual premium is high compared to other insurance companies that friends and clients use.
Insurer: Embrace
By: Jessica
The best experience chr
I say this every time I write a review but I don’t know where we would be without Embrace! Our beloved boxer was diagnosed with a brain tumor and we have had no problems whatsoever with coverage and getting our claims paid for. It’s allowed us to be able to help him remain comfortable on medication and get that his other health cared for. Judah’s survived his original prognosis so every day with him is a blessing. We would not have been able to provide him the care we wanted to keep him comfortable and manage symptoms without Embrace. Simply put; our dog wouldn’t be here without the financial help we get from Embrace. Claims paid quickly, I recommend Embrace to everyone I know has a pet, and I would work with them again in the future.
Insurer: Embrace
By: Christina
You are the best insurance company!
I am so impressed by your integrity and service! Thank you for approving my appeals to pay claims that were late due to using an old claim form. You are seriously the best. You have paid thousands in claims and allowed me to keep my dog's health stable for 3 years during an auto-immune illness that could have bankrupted me! I wish I could buy all my insurance thru you!
Insurer: Embrace
By: Tiffany