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I have always found Nationwide to be…exceptional
I have always found Nationwide to be professional and fair. I always recommend Nationwide to all the Paw Parents I know.
Insurer: Nationwide
By: Kathy
Great information!
The representative explained how our policy works and answered all of the questions I had. I can’t ask for more! Haven’t had to file a claim yet thank goodness so I hope the customer service level continues after that!
Insurer: ASPCA
By: Janie Wall
We’ve had embrace for 2 + years and…
We’ve had embrace for 2 + years and really the only thing they are quick on reimbursement is the wellness that you are actually paying anyway. The rest of any claims is so prolonged and they lag and don’t follow through with Vets as promised. I have 3 dogs with them and I’m pretty much ready to go somewhere else!!!
Insurer: Embrace
By: hairgrl
Happy!Happy!
I'm very pleased with customer service. Very nice Lady. Answered all my questions. Excited to be a member of Many Pets insurance company.
Insurer: ManyPets
By: Tinka
Good insurance for older pets
When I first got my dog, we were with another insurance company and it was a hassle in terms of getting claims to them and even more so for reimbursement. We switched to Healthy Paws in 2013, and they have been really amazing. Great customer service reps and an easy to use app and website, can upload invoices from your phone and quick to reimburse. The no lifetime limit is also a big one for me, as my dog is older and I don't want to be stressing about vet bills if it means saving his life or making him more comfortable. He's recently had fairly major surgery for a dog his age and knowing that we reached our deductible and will be covered at 70% took much of the financial strain off my plate.
Insurer: Healthy Paws
By: Shannon O'Neill
Renewed but never feel comfortable…
Renewed but never feel comfortable understanding what is and is not covered. Had filed a claim for a unscheduled appointment for vomiting and not eating. My claim was denied whit a simple “ not covered by your policy. Probably won’t renew again. To difficult to understand what is and is not covered
Insurer: Figo
By: Leslie
Sick dog, can rely on Embrace
My dog ended up very physically sick & lethargic - very unlike him for a dog with endless energy who hasn't been sick the entire 2 years of his life. I had to find an emergency vet that was open & could fit him in on a Sunday. After a hefty vet bill, I was able to easily submit the bill to Embrace, was communicated with directly by an Embrace employee & everything went smoothly & quickly. Embrace has been there for us & we're so grateful!
Insurer: Embrace
By: Paige K
Jury's Out
Great marketing gets you in the door. But dealing with claims people feels like insurance. Sample FIGO communication regarding our dog's ortho waiver: "Thank you for providing this information. We have received [your dog's] completed orthopedic waiver form with the exam performed on 08/20/2021. This has been reviewed and applied to his policy. The 6-month waiting period has now been waived for the orthopedic conditions that were assessed during the 08/20/2021 exam and do not show any clinical signs or symptoms. The left front limb is excluded based on the waiver and medical records received from [your dog's] veterinarian. The waiver and medical records show outside palpation and a recommendation for radiographs. Until a further orthopedic exam and diagnostics can be run, these conditions may not be eligible for coverage as they were noted to be abnormal on the waiver and medical records. To clarify, the orthopedic waiver is not a guarantee of coverage." All that because our vet's exam notes indicated: "Outside palpation - looks OK. If further test needed recommend x-ray." The waiver form doesn't require an x-ray. And the vet's note just indicated the limits of his exam (palpation). Seems clear to me. But it wasn't to the FIGO "claims support team." So, after incurring the expense of a vet exam to get FIGO's ortho waiver form signed, we decided to just wait out the 6 month ortho exclusion period rather than jump through more hoops (and incur more expense) for the FIGO claims support team. We haven't made any claims under our policy (which we have renewed for a second year), and hopefully, we won't need to. But, based on the ortho waiver experience, I wouldn't be surprised if there are more hoops to jump through. Bottom line: Don't be fooled by the touchy feely marketing. It's insurance. So, read your policy carefully and expect FIGO claims to assert all available coverage defenses in the event of a claim.
Insurer: Figo
By: FIGO Customer for Years
wellness plan doesn't cover much
wellness plan doesn't cover much. Went for his 4 year check up and covered less than 1/3 of his visit
Insurer: Pets Best
By: Allison DiSanto Pitti