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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Nationwide denies claims right & left
Nationwide denies claims right & left. They tell you that you have comprehensive coverage but they deny claims but stating they're not covered. i can't seem to find what they do cover. They just amended their policies to give you even less coverage. My dog had a double ear infection which they denied with nothing other than "we don't cover that". Find a different insurance company if you have any hope of getting some reimbursement for your pet's illness.
Insurer: Nationwide
By: Sreb
Easy claim submittal
Easy claim submittal. No hassle. Quick reimbursement check. Great service!
Insurer: Spot
By: Jessi Combs
Very Poor Claim Response Time
I have had pet insurance for our lab for 8 years. 3 years ago, due to her age, my existing policy was transferred over to ASPCA, along with a significant rate increase. I have NEVER filed a claim until 2 weeks ago, for an ear infection and her inability to put weight on her front paw. My total bill was $1300+, with a $500 deductible. So far, I have heard nothing from ASPCA and the website indicates that the claim is "in que". I spoke with a customer representative, who told me that he would take care of it, and so far nothing. After further research, I learned that in the state of Florida, pet insurance, is under the jurisdiction of the State Insurance Commissioner. The good news about this, is that companies that deny and delay claims can be forbidden from doing business in Florida. If any of you are in Florida, I have attached information on how to file a claim. To file a complaint with the Florida "Insurance Commissioner" (who heads the Office of Insurance Regulation), you should contact the Florida Division of Consumer Services within the Department of Financial Services (DFS), as this is the correct agency for handling consumer complaints against insurance companies. You can file online, by phone, or by email, providing details like the insurance company name, policy number, claim number, and a clear explanation of your issue. The DFS will then process the complaint and contact your insurer.
Insurer: ASPCA
By: Kimberly
Love and Trust Spot!
We truly feel we receive the product we pay for. Whether routine or accidental, we feel confident that Spot insurance will honor the policy we have with them. Friends don't believe me when I say what we get for the insurance we have with Spot. Our cat was with another insurance provider and continued to raise the rates. Even being an older cat Spot wrote her a policy. Love them!
Insurer: Spot
By: Meghan Lanese
Scam and thieves
So I canceled with this company after the first month cuz I wasn't happy the way they did things. I don't want direct feeling they don't do I've submitted for a claim all the receipts all the medical records everything required then they tell me the deny my claim because I didn't submit the the records they're asking for documents or whatever but yet everything was submitted so yet how you supposed to know what's to submit you shouldn't I shouldn't be submit anything prior to me getting the insurance my insurance start on a certain date I submit bills after that date and all medical records not sure of the issue with this company took my money so give me my money back that I paid for the dog then if you're refusing my claim if you want to pay me those hundreds of dollars back cuz it was a big claim so people they do not reimburse you for Spain they do not reimburse you for chipping they do not reimburse you for vaccinations they do not reimburse you for flea and tick stuff trust me my claim for it always denied and this is the second review I put up do you think the company contacted me no cuz heaven forbid then give me my money back that I paid for the month since you didn't you know what I'm going to contact somebody higher there's an insurance place you can contact the office of the Supreme of insurance for any and all insurances and I think I'm going to do that and send him all the proof of everything I've sent and the way it denies maybe this company will be shut down then cuz I'm going to have them under investigation stole my monthly money and then refuse to pay me anything back pretty sad
Insurer: Fetch Canada
By: M
Help when we needed it most !
Couldn’t be more happy to have some help when we needed it ! when the vet emergency was necessary it can get really expensive fast! Spot was there and helped ease the burden and stress knowing we were covered for a lot of the cost ! Max thanks you as well as our whole family!
Insurer: Spot
By: Chris Zahler
First claim
File my first claim after my puppy visit. Easy, and rapid response payment within 5-7 days. Thank you!
Great company
Easy to use app and straight forward claim process
Insurer: Embrace
By: Nas-T
Healthy Pups!
We have two dogs covered by MetLife and have never had a problem with a claim. The coverage offered is excellent, communication is quick and thorough, and reimbursement is no problem. Having MetLife for our dogs helps ensure that they are cared for in the best possible way. Our pup's health and wellness is very important to us!
Insurer: MetLife
By: Kristen
The claims process is easy and…
The claims process is easy and straightforward through the site. Payment was turned around within a week, and customer service was super helpful with questions. They are definitely more expensive which is my only issue. When prices rose this year I had to raise my deductible to afford insurance.
Insurer: Embrace
By: customer