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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All good but one thing
I like the service so far, but my one complaint would be the length of time to pay a claim.....over month is just too long.
Insurer: Nationwide
By: Matt
You guys rock!
I couldn’t ask for more. I take my dog to the vet, get an electronic copy of the receipt, file a claim and before I know it, I have an email stating it was processed and is all set. I don’t have much experience with other pet insurance but so far, I have no reason to leave.
Insurer: Nationwide
By: Tony
ASPCA Insurance Has Been Great for My New Best Buddy!
We adopted a rescue dog in January and thought pet insurance was a good investment just in case. Our good buddy broke his foot at the dog park a few months later, and ASPCA was great about taking and quickly processing our claims from multiple vets over the course of the treatment and recovery period. Additionally, the customer service is very friendly and seems to genuinely care about our dog.
Insurer: ASPCA
By: Alan
Best pet insurance!
I have been with Nationwide Pet Insurance for 8 years. I have 3 dogs under this insurance and about to add 2 more. Unfortunately, we have had a few claims for our lab lately, but Nationwide was great. Wouldn't go anywhere else.
Insurer: Nationwide
By: Linda
Prompt service
I was very impressed with the courteous and kind service received when we filed this claim. Thank you again for your prompt and kind handling of this claim.
Insurer: Nationwide
By: Lisa
Quick and easy claim
I have two dogs, a labrador and a german shepherd. After their yearly check up and shots, a quick picture of the receipt uploaded to the app, and the refund was on the way. No hassle.
Insurer: ASPCA
By: Jade
Great claims experience!
After I spent thousands of dollars getting my dog's broken toe fixed, I looked into pet insurance. I had only heard of VPI, and I wasn't impressed by the kind of coverage they offered (at the time, I have no knowledge of what their current policies cover). In my research I looked at things like what was covered and what the limits were. My main objective was not to cover ordinary expenses, but to be able to make decisions about major health care options without having to worry too much about cost. I ended up with Healthy Paws, because it covered everything I wanted covered and the coverage was unlimited. My dog has been covered for six years and is now 14. I've only made a few claims, but the there have been two major incidents that ran into thousands of dollars. Most recently, she spent almost a week in ICU, had an array of tests, procedures and medications and was discharged with a glucose monitor. The total was about $15,000 (and there will be more, with ongoing treatment). I was so relieved to be able to make decisions about her care without cost being a factor. The claims process is easy: I just uploaded the invoice from the vet to their site. I got emails updating me on the status, and the first claim was paid within three weeks (direct deposited into my checking account); the follow-up claims were processed even more quickly (presumably because they already had her medical records from the first claim). There were no questions or issues. The only other contact was when they emailed me asking me how she was doing. One of the vets who cared for her told me she also has Healthy Paws, and that they will sometimes do a pre-approval so they will pay the vet directly. This could be a factor if you don't have the cash (or enough credit) to pay the vet and then wait to be reimbursed. My next dog will be covered by Healthy Paws from puppyhood!
Insurer: Healthy Paws
By: Ruth
Great Vet; great insurance! I can do what's best for my dog without worrying doing what's right doesn't bankrupt me
The last two times I took Lady to the vet, I was able to get the diagnostics necessary to know how to deal with her symptoms. I didn't have to worry that I wasn't doing enough for her. So far, with two dogs, I have had excellent customer service and claims experience with Nationwide.
Insurer: Nationwide
By: Susannah
Love Nationwide insurance, i highly recommend
I always do ! Since it has worked amazing for me they sure have great support , never had a problem with claims from the time i owen this insurance in the past 10 years.
Insurer: Nationwide
By: Georgina
Absolutely most incompetent and dysfunctional company I have ever dealt with
Over the years their wait times have become longer and longer, their claims processing have become more and more dysfunctional, and their customer service IQ has steadily dropped. More specifically, I re-signed up with them approx 45 days ago to give them another chance after getting a new puppy. In that time I have submitted two very small, fully vetted and verified claims directly from my State licensed veterinarian. One of them was initially denied for being "pre existing". After making 4 separate phone calls, each one 1.5-2 hours of being on hold (I have phone records to prove this) I finally spoke to several claims reps all whom transferred me all over, and each somehow found a way to be more rude and posses a lower IQ than the one before. One of the reps, was able to see that their claims department simply did not read the claim properly, and put a label as "pre existing" when it was in fact not true. That rep assured me that the supervisor for that claims processor would be contacted as this was an obvious error on their part, and that claim would be taken care of "immediately".....well 2.5 weeks later...another 3-4 phone calls (each one being on hold 1-2 hours, and ending with arguing with multiple people who probably cant spell "claims"), and the claim is not processed (neither is the second claim that I sent in in the interim). Healthy Paws is rude, unprofessional, incompetent, lazy, and manipulative. Additionally, they are committed FRAUD because customers are submitting legitimate claims and these customers are not being paid because Healthy Paws is LYING and making up non existent reasons to deny the claim (after of course making them wait on hold for hours and hours).
Insurer: Healthy Paws
By: Mathew