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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Looks for ways to exclude conditions and avoid claims
The review process for our claims has taken a long time and it feels like NW looks for a way to avoid claim payments by excluding condiitons. For example, or dog started itching due to allergies. When the vet asked how long this had been going on I had no idea but "guestimated" 1 -2 weeks. He wrote down 2 weeks which happened to be just before the effective date of our policy. NW proceeded to exclude all allergy claims past present and future based on an "guestimate" of when it started and the vet writing down the longer end of the range given. Second example, our dog was being spayed and they discovered that her spleen needed to be removed. The vet stated that he expected it would be covered by NW, but NW denied claim since the bad spleen must have developed over time and therefore occurred prior to effective date of policy. If you go with NW, recommend starting as a puppy to avoid the prexisting condition issue that NW uses extensively to avoid paying claims.
Insurer: Nationwide
By: John
Thank God for this pet insurance. It has been a lifesaver for my pet's health and access to care!!
My pomeranian was diagnosed with a bone/ brain cancer. Treatment has been very expensive. Thank God I have this pet insurance. It has been a lifesaver in being able to afford these treatments for her care.!!
Insurer: Nationwide
By: Melanie
Coverage Lacking
Very upset to find out testing for stomach worms is not covered by Nationwide. My vet was shocked and appalled, said this is the ONLY insurance she's ever heard that doesn't cover testing for potential infection/sickness. Each time Rogul has serious digestive issues this test will be required and we will lose $170 ($85 before and after) to know for sure what Rogul needs to be treated for. We are considering switching insurance plans for this simple fact alone. Very unaccommodating.
Insurer: Nationwide
By: Amanda
Great Experience
I have appreciated the ease of claims and the vet helpline. It has made dealing with Merlin's severe allergies much easier on me and my wallet. I love my dog and this has enabled me to provide him with the care he most needs.
Insurer: Nationwide
By: Lindsey
I'm so thankful to have Nationwide Pet Insurance!!
I'm so thankful to have Nationwide Pet Insurance!! It is so worth it!!! Customer service is always friendly and helpful and the claims are paid in a timely manner. I have and will continue to recommend Nationwide to all my friends and coworkers with pets.
Insurer: Nationwide
By: Lindsay
So thankful for the helpful service nationwide provides
I submit Goose's claims after she sees the vet and the friendly Nationwide reps take care of it quickly. I appreciate the services.
Insurer: Nationwide
By: Kerri
Exceptional coverage, service and peace of mind!
We are so thankful for Trupanion, it’s probably the best investment in any type of insurance we have made ever. The coverage for us has been great, wouldn’t be without it. If you have a pet, one should really take a look at Trupanion-call them to discuss their products.
Insurer: Trupanion
By: Donald
The ASPCA coverage I have for my pup made the decision to have a costly surgery to fix her chronic UTIs an easy decision.
Great insurance- the app makes submitting requests easy. Customer service is amazing & I always get a quick response w questions.
Insurer: ASPCA
By: Melissa
Pets Best is the Best. They provide what they promise.
When I purchased insurance for my maltese, Lily of the Valley (Lily) I hoped never to have a reason for a claim. Unfortunately that was not the case. Lily had pressure on her spinal cord and needed an MRI and surgery so she could walk again. Not long after mailing the claim and medical receipts to Pets Best I received an email informing me that they received and would begin processing it. Yesterday I received notice with an explanation of benefit that the claim was approved and the money deposited into my account. This is a truly reliable company. They are the best.
Insurer: Pets Best
By: J.
Trupanion saved Lucy's Life
We noticed a strange lump on Lucy (our chocolate lab) and our vet checked it during Lucy's teeth cleaning. Our vet suspected it most likely wasn't cancer, but couldn't definitively say either way without testing. I called customer service and was leaning towards NOT sending it to pathology. A representative talked me through what would most likely be covered by insurance and her kind words helped me decide to test Lucy. It turned out Lucy's lump was cancerous, she had surgery and we're waiting to see if the surgery got all the cancerous cells but I can't thank you enough, you most likely saved her life AND on top of it, insurance covered most of her surgery. We're grateful for many reasons :)
Insurer: Trupanion
By: Elise