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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Bullied and Threatened by Agent/Underwriter
Let me you about my experience as a loyal ASPCA Pet Health Insurance policy for 11 YEARS. I was just bullied and threatened by an agent/underwriter. I called asking about coverage benefits for my dog "who is 11, pushing 12, and not getting around as well as normal.” I was told that my dog would have a preexisting condition and therefore ineligible for alternative care. I asked what preexisting condition. The AGENT - NOT the VET - then diagnosed my dog as "arthritic." I countered and said that the dog has NEVER EVEN been seen for ARTHRITIS. The agent/underwriter then made a threatening statement and said that I had admitted my dog wasn't moving around as fast as normal and that the underwriters will review this phone call and any veterinary notes. If there is one mention of "arthritis" she told me the animal will not qualify for a comprehensive plan that covers alternative therapy. What a rip. And to think I've actually recommended this corporate, monster machine (that preys on the emotions of pet owners) to others. NEVER. AGAIN. ASPCA, I hope your'e recording.
Insurer: ASPCA
By: Amy
Coverage poorly conveyed; spay was not covered.
I specifically got this insurance because I noticed that Spay was a covered surgery. I just had my dog spayed, with costs for complications, and called for another reason, only to discover the spay was NOT covered. I was under the impression it was covered under my current plan....the specific reason for using this insurance. I'm really not satisfied to have a policy that piecemeals these types of costs. Somewhere along the line, information was not accurately conveyed. Not a happy camper and may not stay with this insurance.
Insurer: ASPCA
By: Karen
Ernie's Pancreatitis
Our management of his pancreatitis episode (yours and mine) was good. Since I had to take him to another veterinary clinic (mine was closed), they provided me with good diagnosis and analysis documents. However, when they X-rayed Ernie, however, they found something else. (The pancreatitis may have been a blessing in disguise.) Again, they found stones in his bladder. Your team was quick to process the pancreatitis claim. Subsequently, Dr. Claire Woodall-Bellman--a vet trained at Royal Veterinary College in London--has removed the stones. Thank you for helping me take care of my Ernie. Note: I do not know what the Pet Insurance Review (referenced below) is.
Insurer: Nationwide
By: Lenora
Saved my cat's life.
Reimbursement was quick and painless. Gave me the confidence to seek out the best care for my cat that I would not have otherwise been able to afford..
Insurer: Healthy Paws
By: Robert
Thank you for the coverage
Raki was limping one evening after I got home from work. I made an appointment for the next day, and they saw him & asked if I wanted x-rays to make sure there was no hairline fracture, and of course, I said "yes". Luckily, nothing was broken, and he just needed rest (and no running or jumping until the injury got better) Everything was covered by insurance except the deductible and tax! I am so grateful to have pet insurance!
Insurer: Nationwide
By: June
Dont do it - just more big insurance games to take your money and not pay off on claims.
Had embrace insurance for 2 years. In April of this year the terms were changed without notice, there is new limits on payouts. Now they will refuse to pay off a dental claim any more than $1000 a year after their deductible. That is less than it costs for a yearly premium. IT COSTS MORE in yearly premiums that they will pay out. This is a total scam and will only take your money.
Insurer: Embrace
By: Curtis
I wish the HUMAN medical insurance companies would use Nationwide's Pet Insurance as a standard!
I honestly cannot say enough about Nationwide. The website platform is comprehensive and intuitive. The claims process is beyond easy and so current, allowing digital submission - no paperwork! The response time on claims is really shocking (in a good way) to me. And finally, the coverage is fair - something I cannot say about my personal health insurance coverage. LOVE Charlie's Nationwide policy. I have been a member for almost two decades, back when it was VPI pet - and plan to be as long as I have a dog.
Insurer: Nationwide
By: KENDALL
Review the entire claim - all of the details not just the summary
When I submitted 3 claims for a biopsy with gastroplexy which included an x-ray screening for cancer due to weight loss the claim was denied for preventative. The issue was the gastroplexy preventative surgery was only $185 of the $4000 claim. I had to appeal the claim which was then approved but of the 28 pages with receipts for the 3 claims (1 claim containing 3 bills) only 3 of the 5 bills were paid so I had to call a 3rd time to see why some of the pages weren't reviewed and why the claim person didn't bother to see why there was a $600 difference from the claim page and the single receipt they looked at. While it is now all resolved this is the second time I've had to go through this process.
Insurer: Nationwide
By: Lisa
After 15 years of insuring my dogs with Nationwide/formerly VPI, I'm still happy with all aspects of coverage.
Nationwide Pet Insurance has helped me take good care of my dogs without financial worries. I like the coverage I get for the price I pay. I especially appreciate that the claims representatives always figure out how to get me the best payment per my policy. I will continue to recommend this insurance to others, and will always have my animals covered by them. Buddy (may he rest in peace), Snoopy (may she live a long and healthy life) and I thank you!
Insurer: Nationwide
By: Carla
Nationwide treats your pets like their own family.
Short but sweet, we have never encountered any issues with Nationwide. Claims are filed fast and if applicable, reimbursement is mailed out or electronically transferred with speed as well. Their customer service reps are second to none with service. They treat you and your pets like they're part of their own family. This means a lot to us and our Gus. Thank you for your hard work and keep it up!
Insurer: Nationwide
By: Gerald