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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Paid exactly what they said they would
I was skeptical due to reading pet insurance reviews in general. I have been an embrace customer for about 4 years but luckily had never had to file a claim. A few weeks ago my nearly 9 year old lab mix and canine love of my life got seriously ill. I had to take him to the hospital at 3 in the morning and he spent the day in doggie ICU, and another day at the hospital. Thankfully he has fully recovered but it was such a comfort that my only concern was making him better. I only have a basic plan but it made the vet bill manageable. Thank you Embrace.
Insurer: Embrace
By: Lee
Pain Free Experience
Working with Nationwide Pet Insurance has been a breeze. While dealing with a lot of bladder issues with my dog, the process of submitting claims has been very simple, especially through the VitusVet app. I have not had to get involved in disputing or adding more detail to a claim. Whatever process happens between the insurance company and my vet has not had to go through me, which I greatly appreciate.
Insurer: Nationwide
By: Jared
Trupanion has been a life saver!
Trupanion has been an excellent company to deal with! We have a German Shepard that needed spinal decompression surgery and at the same time a cat that decided to swallow a random foamy piece (won’t eat his canned food but a foamy piece looked yummy!) so that required surgery..... trupanion was a life saver! Instead of worrying about the bill we were able to focus on our pets recoveries. They covered everything we expected them to (read the fine print so you know what’s covered and what’s not so there’s no surprises) and they paid immediately through our vet so we only had to pay our deductible and our share of the costs. They’ve paid out almost 10k for us! Would highly recommend to anyone! 👍😀🐾
Insurer: Trupanion Canada
By: Jenifer
Absolute pain but Kelly in the call center saved the day
We had over $5,000 in claims and had to wait nearly 2 months to be paid back (assuming the transfers show up in the next day or 2). Why the delay? I received email after email saying I had missing information. I would call day after day asking what information was missing. They would tell me it was from our dogs old vet and nothing I could do. I still received the emails and continued to call asking why and what I could do to be paid back. Turns out, the old vet faxed the information to the wrong number and a month and a half later Pets Plus Us still hasnt tried to follow up with them and just left me on the hook. Each time I called I would get the run around. Today Kelly promised to look into it and call me back (as previous agents on the phone did). She was the first to call back and told me I am being reimbursed right away. Thank you Kelly.... what was an awful experience all throughout was made better by you. Also, for anyone reading.... be aware that when your vet tells you to call poison control and you spend upwards of $100 on that phone call so that the vet can receive proper information, this will not be reimbursed as Pets Plus Us has their own poisons call center. I feel this is something everyone should know as it seemed like a bit of a gimmick not letting me call the professional of my choice but being forced to use Pets Plus Us' call center.
Insurer: Pets Plus Us
By: Travis
Excelllent, quick
Quick turn around for reimbursement. No hassle - customer service call was great.
Insurer: Embrace
By: Michelle
The easiest way to file a claim... online
First claim... WOW, that was so easy I thought I may have done something wrong..LOL No hassle and a VERY quick response!!
Insurer: Pets Best
By: Sharon
Best choice for pet insurance
I am so happy to have gotten my dogs insurace through Healthy Paws. My wonderful lab is only 2 1/2, and unfortunately, she developed a serious ear infection that her regular vet could not cure. She had to be seen by a specialist, and had to be sedated for proper treatment. Just the antibiotics alone she had to be given were $600.00. When I called Healthy Paws to see if they would approve them, they assured me everything was covered and that she would never be dropped. Customer service is wonderful to deal with, they even reached out to me to see how she was doing. You always hope your pet won’t need the insurance, but things happen, and I am so grateful for Healthy Paws. They certainly proved themselves to me! Needless to say, I highly recommend them!
Insurer: Healthy Paws
By: Karen
Peace of mind during a crisis
I came home almost two weeks ago to find our 14 month Goldendoodle in a state of extreme distress: vomiting blood, foaming at the mouth, and lethargic. Immediately, I called the vet who recommended he go straight to the emergency clinic (as it was after hours). The emergency veterinary hospital found that Caramel had eaten a sock and it was stuck in his small intestine. I had to put 75% of the estimated cost of surgery/treatment down--which believe me, was a LOT. I am so grateful that I have Embrace and did not have to worry about putting that large amount of money down at one time. Today, I received notification that my claim was covered and will receive my reimbursement within 10 days. My two dogs are both insured through Embrace, and I think that after this I will up their coverage for next year! I was afraid that it would be difficult to get a claim covered, or that I would get the run around after submitting it, but we experienced no problems at all. :)
Insurer: Embrace
By: Katy
Nationwide Pet saved my pet's life.
I am very thankful that I have Nationwide Pet Insurance. My cat Sebastian was in a very bad state with his bladder being blocked and it was a tough decision to have the PU surgery, but what made it easier was knowing that I had Nationwide Pet insurance on him and with his policy I would be able to save his life. He is doing so well now, and as my friends ask me about him, I always add that if it wasn't for the pet insurance, it would have been a lot worse for him. I always ask them if they have pet insurance and that they should look into getting Nationwide Pet Insurance, it only takes a few minutes to get a quote.
Insurer: Nationwide
By: Nancy
HIGHLY RECOMMENDED
Amazing customer service and super simple claim process (just snap a picture!). They’ve covered surgeries for both our dogs AND all the medicine needed for pain management on-going. HIGHLY recommend.
Insurer: Healthy Paws
By: Lauren