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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The invoice was reviewed and paid on…
The invoice was reviewed and paid on time
Insurer: MetLife
By: customer
Don't Buy Unless You Are OK with Being Left High and Dry
I have had this insurance for 10 years, since my cats were young. It was good insurance, until it wasn't. I planned to keep this insurance for the lifetime of my cats. Then, Nationwide decided they didn't want to operate in Florida anymore because it's too expensive for this huge corporation. Now I have to find replacement insurance with another company for two senior cats with conditions that developed during Nationwide's coverage that *would* have been covered if Nationwide didn't pull out of Florida, but now won't be covered by my next plan as "preexisting conditions", just when I needed the insurance the most. Beware, do not sign up for this insurance because they just might decide your state is too expensive next and your pet's most important conditions won't be covered. Adding insult to injury, they denied my final claims. The plans listed an effective date through the 2nd. "January 2nd" is the date listed everywhere on the app and on the website. One cat was due for his one month follow up after radioactive iodine treatment and the other was due for his 6 month recheck of his kidney values, so I took them both on the 2nd. Guess what - both claims were denied by Nationwide who now states that actually January 1st is the last day of the policy because January 2nd they're no longer effective. If that's the case, the website and app should say January 1st! Every expiration date I've ever come across in my life lists the last day of the effectiveness of the policy, plan, service, card, etc., and you have until the end of the day to use it. I begged them to help me, to see if there was anything they could do, because this was not clear at all and the entire situation of the company pulling out of Florida is not my fault. They were rude and cold on the phone, saying there's nothing they can do. Of course there is something they can do, they can cover the claims, but they don't want to. Thanks Nationwide for leaving me in tears and leaving my cats vulnerable to their now "preexisting" conditions in their senior years. I am so sorry to all others who are in the same position as me in Florida and hope no one else in other states has to experience this, but I wouldn't risk it.
Insurer: Nationwide
By: Jennifer Latta
Great Coverage
I've had Healthy Paws for my dogs since 2017. Each time I needed their help, they were right there and covered the costs as outlined in my policy. The price for the policy is very much worth it.
Insurer: Healthy Paws
By: Philip Krajewski
Quick refund for a heavy expense vet…
Quick refund for a heavy expense vet bill. Got most back outside of the deductible. Best pet insurance company I have ever worked with. Love them.
Insurer: Pumpkin
By: Laureen
Insurance decisions made easy!
It was very easy to find the levels of care that I needed for both my senior dog and new puppy. The options were numerous and clearly explained to make the choices easier.
Insurer: Prudent Pet
By: AnnieW
Trustworthy insurance who stands by…
Trustworthy insurance who stands by what they promise. Thank you
Insurer: MetLife
By: customer
I had never used the insurance before…
I had never used the insurance before so I was pleasantly surprised that the Pet ER was able to get an approval instantly and refund my money I had paid on the spot. I didn't ask about using this until we had picked up our Pet, I only wished I had asked when I dropped her off. I also submitted invoices I had paid and the approval only took a day or two. Trupanion paid exactly what the policy said. The only thing that wasn't covered was an exam by the first place we went to which makes sense but it was still under the emergency care she was being given, not a regular vet exam. Overall very pleased with how it worked, how much was paid and would highly recommend for anyone's pet insurance. I hope I never have to use it again but if I do, I know I will feel well taken care of.
Insurer: Trupanion
By: Rebecca
Recent Claim Submission Experience
well, thus far, I've been successfully able to submit a claim via email, a big thing for this "technephobe". MetLife Pet processed my claim, and provided my "refund" (or whatever its term) in a timely manner! Thank you for that!
Insurer: MetLife
By: Leslie K.
Fair
Originally I have problem with my claim. After talking with them, it turned out to be a miscommunication and the claim was settled. Fair people, willing to listen. Recommend
Insurer: Embrace
By: Ronald Smith
Fair and expeditious processing
Fair and expeditious processing of claims.
Insurer: Spot
By: Angela