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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Horrible Company
Horrible company. Their policy clearly states that a pre-existing condition is one that occurred in the 12 months prior to the policy issuance. I purchased a policy for my Dog in February 2019. The only thing that happened in the 12 months prior was a ACL replacement (TPL). When he was younger he did have skin allergies, but they were controlled with immunotherapy prior to 2014. In May he had a mysterious skin infection. They denied $435 of his treatment and accepted $22 towards deductible and said it was pre-existing. They tried to tell me how they did accept some on the phone. This is hilarious. These guys are clowns. In no way is it pre-existing as he has not received any treatment for skin related issues since prior to 2014. I will be reporting these scam artists to the state insurance board. They are not to at all trustworthy.
Insurer: Pets Best
By: Nicole
Great Insurance!
I am very satisfied I chose Nationwide Pet Insurance. Submitting a claim is very easy. Customer service is very helpful as well as their Vet helpline. I chose the top plan because of it covering everything I need and no worries.
Insurer: Nationwide
By: Denise
Best Insurance Ever!
As I tell y’all every time I call, we owe our boy’s life to your wonderful company. You pay quickly and exactly as you advertise. I tell EVERYONE to get pet insurance and ONLY with Nationwide!!
Insurer: Nationwide
By: Carol
Last 2 claims (initial visit and surgery)
It took me 4 months to have my claim processed appropriately. Everyone was polite, but the only person who seemed to be helpful was the last person to work on the claim, who was a supervisor. I pay so much money and shouldn’t have had to put so much work into these 2 simple claims. I spent hours making phone calls back and forth between Nationwide and the vet, as well as faxing paperwork and writing letters. If this wasn’t my only option for pet insurance through my employer, I probably would’ve switched.
Insurer: Nationwide
By: Serena
Nationwide is easy to work with.
We like the fact that we are reimbursed 90% once the deductible is met.
Insurer: Nationwide
By: Antoinette
Healthy Paws cares for my dog and me, it’s more impressive than my human insurance!
I am beyond satisfied and grateful for this pet insurance. They have come through for me whenever I have had a health issue with my dog. The claims process is quick and easy to navigate and I always get paid out quickly . The customer service reps are kind and friendly. This insurance is outstanding I always recommend to my friends. Even those without pets - that’s how impressive they are! So glad I did my research and picked Healthy Paws for my beloved pooch!
Insurer: Healthy Paws
By: Bonnie
Finally, a Pet Health Insurance Company with Integrity!
I have had coverage for my cat Swirley for about 5 years now and until now, previously made only one tiny claim. Now my cat has been diagnosed with hyperthyroid, a common condition for older cats and expensive. My experience with pet healthcare insurance companies before was that as soon as you actually needed them, they would find any excuse to reject your claim. All they wanted to do was to collect premiums and deny as much care as possible. (Gee, that sounds exactly like what the greedy human healthcare insurance companies do!) Embrace was different. I did have one claim denied, but that was because the vet didn't write up the claim form correctly. But Embrace made it very easy to appeal their previous denial and after the situation was explained to them, they corrected it and covered the claim. Embrace has lots of different plans and some very low deductibles. It is much better than any previous pet health insurance company I have ever had. Wish they would start running plans for humans, ha! I'd join in a heart beat!
Insurer: Embrace
By: Michelle
My kitties know you have their back!
We've chosen ASPCA for the ease when submitting claims and the professionalism of the staff. Their compassion, especially in hard times, has kept me a loyal client and I truly appreciate the support. Without their help we could not have given our little guys every chance at a happy and healthy life. All our thanks for the peace of mind you've given us.
Insurer: ASPCA
By: Robert
Healthy paws rocks !!!
Covered all our puppies emergency care .. very helpful .. so glad we have them.
Insurer: Healthy Paws
By: courtney
Best Pet Insurance
We are so delighted with Figo Pet Insurance for our new red Irish setter Newton. The convenient Figo phone app allows me to start new claims before leaving the vet’s office, including uploading pics of claim forms, Vet progress notes, & photos as supporting documents. Claims are processed within 14 business days and the funds are conveniently deposited into the bank account of our choice. Customer service reps are always friendly, helpful, & knowledgeable. We highly recommend it!
Insurer: Figo
By: Elizabeth