Payment Experience
Read pet owners’ reviews on payment experiences with pet insurance companies. Learn how easy it is to pay premiums, manage billing, and whether payments are processed smoothly and transparently.
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Never an argument
There is never an argument with coverage and the reimbursement is amazing. Trupanion really helps me provide the best care for my furry children.
Insurer: Trupanion
By: Luciano
Very easy claims process.
I filled out the claim form online and uploaded my receipts which was a very easy process. I was notified a few days later that the claim was approved with a very specific explanation of benefits. The funds were in my account a few days after I filed the claim.
Insurer: Pets Best
By: Anne
I'm going to blame technology
I'm going to blame technology but if I have insurance which I pay a premium every month when I make a claim my expectation is to have is processed before I leave the vet office. This time that didn't happen and had to pay the full amount which I wasn't expecting to have to do. Yes I was told I'd receive a refund once processed but wow.
Insurer: Trupanion
By: ELISA
Deductible was really not helpful
I don't like the fact that the money from the claim was put towards my deductible instead of me receiving the money. I paid out of pocket so putting it towards the deductible was really not helpful.
Insurer: Trupanion
By: Hadassah
Having Embrace pretty much saved our dog’s life and kept us from stressing about getting him treatment!
When our 7-year-old Boxer went from happy zoomies to lethargy and pale gums in a matter of hours, we rushed him to our nearest emergency vet. We didn’t know what to expect, and when we were told he had an internal bleed that would kill him in a matter of hours, we were devastated. Making it even worse, they suspected hemangiosarcoma. Still, there was a 33% chance it wasn’t cancer, and the only way to save his life and find out was a very pricey splenectomy. Thanks to our coverage from Embrace, we didn’t even have to think twice about giving the green light to the surgery. Our boy made it through with flying colors, but the hemangiosarcoma diagnosis was sadly confirmed. However, again, because of Embrace, we were able to get him the traditional chemotherapy AND integrative oncology treatment that he needed. It had been three months already, and our boy is simply a miracle. (AND we had our reimbursement from Embrace before our credit card statement with the surgery on it even posted!) We couldn’t have done any of this without Embrace.
Insurer: Embrace
By: Jen
So glad to have Nationwide covering my Ozzy
I have had insurance for Ozzy since he was a puppy. Thanks to Nationwide I have been able to curtail costs for him and they continue to help with issues that arise. The claims process is very easy and a quick turnaround on claims payments which are fair.
Insurer: Nationwide
By: Christine
Thank you for checking on Birdee!
Easy process I dealing with claims submission and payment. Your kind note checking on birdee was very thoughtful and much appreciated!
Insurer: Nationwide
By: Kathey
Nationwide Pet Insurance rocks!!
Nationwide’s online pre-filled form’s are quick and easy to use. And having reimbursement go directly into my bank account speeds the process.
Insurer: Nationwide
By: Jan
It takes to long to receive money
My only complaint is that it takes way to long to receive money back. When visiting the vets you have to pay in full and at times i don’t have the $500 plus extra on hand. It would be nice if it was more like human insurance where we only have to pay what we really owe.
Insurer: Nationwide
By: Jennifer
Easy to navigate web site, but slow in reimbursement
I love having pet insurance for my dog - being able to download a prefilled out form makes things very easy. The web site is easy to use and easy to get claim status. I only used the call-in service once, but was pleased with the result. Only one complaint - it takes too long to get reimbursement - I find it takes about a month and I'd like to see this improved.
Insurer: Nationwide
By: Karen