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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Difficult claim process
There are too many steps to reclaim the money, especially when I have to identify, open and 'accept' the payment
Insurer: Nationwide
By: Simon
Claim Process
Nationwide is a great Pet Insurance Company to deal with. You make the claim process very smooth and seamless. It is very appreciated, especially when things come up unexpectedly. Thank You for being their when it counts.
Insurer: Nationwide
By: Donna
Claims Rejected because of glitch on Nationwide's end & more!
My vet has gone to paperless documentation during the COVID-19 crisis. Because of that, I upload my documentation via the "attach PDF" button. I can see the PDF is attached when I submit the claim, however, each of my last 2 claims were rejected for missing documentation. The only option I have then is to mail the appropriate paperwork in, massively slowing down the payback times for these visits. The middle of a pandemic isn't the most convenient time to have to wait around for money. On top of that, my vet does not provide diagnosis on receipts. Never has, never will. I have had multiple claims kicked back because of this. Instead of calling the vet, I am docked and have to go track down the information and mail it in. This is especially frustrating because I was just docked almost $100 for a missing diagnosis on his yearly check-up. There's no diagnosis at a check-up. Now, not only do I have to go track down this information and mail it in, but I also have to explain to the insurance company that a diagnosis wasn't required on the claim. I went through the first year of using this company with minimal issues. We're one month in to his second year and I can't wait to get out. This has become nothing but a hassle. (PS - I emailed about the Attach PDF issue yesterday and still haven't heard back. Solid)
Insurer: Nationwide
By: Jessica
HealthyPaws is there when you need them.
I am truly grateful for HealthyPaws. One of my dogs is a bit of an unlucky fellow. He had a lot of surgeries and other incidents requiring medical attention within the last 3 years. HealthyPaws was with us all the way. They always immediately start working on submitted claims and not once questioned any of the needed interventions or gave us a hard time. They were always there when we needed them. They even check in on the dog to see how he is doing. If there is one company I can truly recommend, it is HealthyPaws.
Insurer: Healthy Paws
By: Sandra
Easy to file claims, easy to get reimbursed
I have had Healthy Paws for four years now. I have never had to use it extensively until now. My dog had a cancerous tumor and recurring UTIs. Over the course of three months, she wracked up $2,000 in medical bills. This insurance has covered most of it. I think I ultimately paid $800 out of pocket in order to reach my deductible. Now that I have hit my deductible, I no longer worry about the cost of treatment. I can focus on getting her whatever care she needs. It is such a relief to have pet insurance at this time. I paid about $30/month for four years. Even if I had stashed all that money into savings, it would not have been able to cover my dog's medical expenses over the past three months. Plus, having insurance gives me peace of mind that I can give my dog whatever care she needs going forward. It has even changed the conversations I have with my vet around her care. Knowing I can spend the money for chemotherapy, drugs and surgeries means we can try treatments that give her a better chance of going into cancer remission. My claims are usually reviewed within a day, and refunds are issued within five days, but often sooner than that. I have never had an issue getting them to cover medical expenses. Filing a claim is easy. I just send them a picture of my bill through the mobile app. I honestly could not be happier with this insurance company. I did a lot of research before choosing a pet insurance. I know some companies are willing to take your money each month and then not cover procedures that they should. I am so happy I went with Healthy Paws. I tell all my friends with pets that pet insurance is a worthwhile investment.
Insurer: Healthy Paws
By: Stephanie
Easiest claims and most personable support
ASPCA insurance has been amazing through several trying times with my bengal cats. From helping us when one cat ate a lily (he’s fine, but a 3 day stay in the hospital adds up!) and when our other cat passed away from lymphoma at 3 years old. We just got a kitten and signed him up with a policy right away. You can’t beat the preventative care benefits either!
Insurer: ASPCA
By: Angela
Very pleased with nationwide
I have been so comfortable visiting the vet, as I know nationwide is on my side! Ziggy has had no problems, routine puppy visits, flee and tick and heart worm medicine and that’s just about it. Claim reimbursements is within a week, very efficient and no fine line gimmicks. I have been very pleased.
Insurer: Nationwide
By: Javonne
Amazing Service
My little guy was diagnosed with diabetes which led to cataract. He was able to have cataract surgery to restore his vision thanks to Nationwide Pet Insurance!!!! I filed the claim and was reimbursed very quickly.
Insurer: Nationwide
By: A.
They are wonderful people with excellent service-great to deal with.
They actually pay the claims that they say they are going to. The people are wonderful to work with and payments are speedy. Just a joy to work with.
Insurer: Nationwide
By: Donna
HAPPY
I would like to say overall im very please with the services. I had 1 claim that I believe I should have been reimbursed but that will not dictate me to wright a bad review. This team works fast and very please with the services provided.
Insurer: Nationwide
By: Casiopea