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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A shining light during a tough time
Our cat was recently diagnosed with cancer, which has been really, really tough, but Trupanion has been a bright light through this process. Trupanion has covered 90% of about $10k in medical bills, with a super simple claims process (one form plus receipts) and a response/reimbursement within a week. Because of Trupanion, we can focus our energy on helping our precious baby cat get better. I am so very, very grateful.
Insurer: Trupanion
By: Jessica
Major Medical
Scamp's policy was recently renewed and I read through the exclusions and was really surprised at how much is not covered. It has made me think that maybe having the highest coverage that you offer is worth it. On average I spend $200+ on insurance a month for 2 dogs and I spend over $100 a month on their food that is Veterinary recommended and $200+ every six months on medicine. I am going to review it closer when I have time. On the whole I have been very pleased with some of my claims and not so much with others.
Insurer: Nationwide
By: Mary
They seem to understand
Our most recent trip to the vet with our Sobie was traumatizing -- for both of us. However, Nationwide helped address Sobie's overall needs, because adequate support through our insurance for our pet is critically helpful.
Insurer: Nationwide
By: Sobie
Betty is feeling good after her tail removal..claim paid in two days...Thanks Nationwide!
We are very happy with the pet health policy through Nationwide! The policy is affordable, claims are easy to file electronically, and payment is fast!
Insurer: Nationwide
By: Charles
First time Pet Insurance participant..... extremely happy!
I had always been skeptical of Pet insurance, however having lost a pet in 2018 where there were very high treatment costs involved I decided to try it out. I cannot express enough how much the ease of mind that I now have knowing that we have this coverage. The process to file a claim is simple and the claim turn around is quick and seamless!
Insurer: Nationwide
By: Cari
We have been very pleased with your service and have recommended it to several people.
When we receive a reimbursement from ASPCA, I put it aside until our next visit to the doctor and it goes towards that bill, or I save it until there is a rather large bill and it helps with that.
Insurer: ASPCA
By: Elaine
Pet Insurance vs Human Insurance
I've never had pet insurance before, but have been pleasantly surprised. Submitting the claims is easy.....understanding the EOBs is easy and the reimbursements are quick. Why can't human health insurance be this simple????
Insurer: Nationwide
By: M
It was bumpy in the beginning but now it seems fine
We got Nationwide's pet insurance with Wellness for our puppy. When we had our first major claim (i.e., we completed the $250 annual deductible) almost 6 months after our policy started, we were told that Nationwide would not cover the claim because it was a pre-existing condition. Under our policy, it specifically said no pre-existing conditions were identified. Nationwide still denied the claim and tried to change our policy once they were aware we never received a policy with pre-existing conditions to one that had pre-existing conditions. Their definition of what constitutes a pre-existing condition, however, is flabbergasting. I asked a representative that if a dog had eaten a sock and needed surgery but had a gastro-intestine pre-existing condition, would Nationwide cover the costs. They said no because it was related to stomach issues. It wasn't until we said we would be bringing a lawyer to any further discussions that they backed down. I think it also helped with the fact that their underwriting team refused to write the new policy. Since that issue was resolved, we've been very happy with the pet insurance through Nationwide. Filing claims is still difficult though. We downloaded the app that Nationwide said to use and when we upload all of the required information, they still ask us, almost every single time, that they still need the medical records from our vet. That takes a while to get every single time so the claims are always delayed. Aside from these, we are very happy to have the best insurance possible for our girl. Nationwide provides us with peace of mind knowing that if she needs anything, we don't have to choose between her life and whether we're able to afford it. Overall, very grateful.
Insurer: Nationwide
By: Shirley
Would Not Be Without Nationwide Insurance For Our Dogs
Title says it all. Veterinary care can get overwhelming at times and it's good to know that we can do the emergency surgery or the big treatment if or when our dog needs it. It's better when our dogs just remain healthy... but our experience with Nationwide has been positive.
Insurer: Nationwide
By: Marylyn