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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They Saved My Dog's Knee
I'm a year late writing this review, but oh well. Last year, my then-4 yo chihuahua terrier completely tore his ACL and because of his breed and knee structure, the surgery was complicated and costly. My family did not have $5,000+ to pay for the surgery, and the vet doesn't do payment plans. Luckily, Lucas (the dog) had been serviced by Healthy Paws for over a year and we felt comfortable with the claim process. Usually these insurances are reimbursement based, but because it was such a large amount, I talked to a HPPI representative and was able to get them to pay their part up front (90%!) and I ended up paying only $500 for my dog's pre-surgery consult, surgery, and post-surgery check! And, because of their unlimited lifetime claims (unlike other providers) i have no worries that I am going to run out of insurance money as he ages (since he's just a pup). Overall wonderful service.
Insurer: Healthy Paws
By: Marie
Excellent service and truly caring company
My cat Sakhi developed a heart condition in 2018 Trupanion’s assistance and customer service has been beyond all expectations. The initial process when he was in the ER for a week was excellent because of their very caring staff and the claims have been processed timely and without any issues. I value Trupanion more than they know even though Sakhi is doing well his condition is for life and thanks to Trupanion he is receiving the care that he needs
Insurer: Trupanion
By: Lourdes
Layla's acupuncture/chiro care has been covered and to date seems to be working very well. Her bronchitis is much improved.
Layla's acupuncture/chiropractic treatments have been covered and to date seem to be very effective. Her bronchitis is much improved. I appreciate the fact that these treatments have been covered by Embrace. I hope that Embrace does not put a limit on them in the future. Much better than giving Layla steroids. Luckily Embrace has not limited such treatments in Connecticut yet. I would encourage the underwriters to not change this.
Insurer: Embrace
By: Sherry
Makes getting pet care an easy decision when illness strikes.
Love nationwide pet insurance. It makes getting care for my dog easy and I can get all the care he needs.
Insurer: Nationwide
By: Emily
Great Service
Love this insurance company! Very accessible and easy to use, and better coverage than a lot of companies out there.
Insurer: Pets Best
By: Sarah
Thank goodness for Figo insurance
Our bulldog unexpectedly became ill with pneumonia and after weekend in the hospital, we didn’t have to stress about the bill. We knew we were covered by Figo
Insurer: Figo
By: Bridgette
Utilizing and ease of the app plus the response time on the claims have been fantastic. Thank you.
I have been completely satisfied with the response time, fairness of payment and customer service that i have received on both claims i have submitted. Two separate accidents and the stress of surgery for one of our dogs was calmed due to the customer service and quickness of the response from Nationwide on both clams made the process manageable for our family. We were not crippled financially due to mounting vet bills. When we rescued our second dog we knew we should look into pet insurance. Nationwide partnered up with my company so the choice was easy. I was not expecting the level of customer service, ease of us with the app to submit claims and how fast my questions were answered. I also appreciated the follow up on both pets. It's a simple thing but not one a lot of companies think to do.
Insurer: Nationwide
By: Greg
Extremely Satisfied with service
When our dog became very ill , Healthy Paws was there to help. It was great having healthy paws to support us in our payments, as the cost would have been over to what we could have afforded . We were able to make the decision that supported our dog in her recovery - thanks to have insurance. Healthy paws not only helped to pay the bills, but also followed up with a personal email to see how our fur baby was recuperating. I could not have done this without the support of insurance.
Insurer: Healthy Paws
By: Carol
Ease of use
We newly enrolled in pet insurance for our two puppies. I’m thrilled with how easy it is to post a claim and receive the reimbursement. It’s a relief to have a policy to supplement our pets’ needs!
Insurer: Nationwide
By: Mary
Do not get locked into this company
I have been with this company for 6 months and so far I am not having a good experience. I adopted two dogs last summer and signed them up with nationwide in January. Since January they have been to the vet several times for allergies and wellness. The allergies were not a preexisting condition. I have been denied every claim. Reasons being: the name was not clear on the invoice (name was clearly typed on invoice), the script was not written properly by vet, they need more medical records (I had already sent them all of the records I had), they want the records from 2017 (the female was a stray at that time and there are no existing records for the male). I have lost count as to how many times I have had to call the insurance company and my vet. My vet has been wonderful about getting them the information they request, but then the insurance company just invents another issue. If they are unable to come up with a reason to decline my claim, I receive this: “Thank you for submitting your request for a review. We apologize for the delay but we may require an additional 30 days to process your submission before making a decision. We will contact you in writing if further information is still needed to complete our review.” So far, I have not been reimbursed for anything. The company’s sole goal is to find a way to decline claims. I feel I should say something positive about the company. They are extremely timely and efficient at processing my payments to them. (Please note the heavy sarcasm here.) I signed up with this company through my employer. I will be notifying my Human Resources department regarding Nationwide’s shady practices.
Insurer: Nationwide
By: Melanie