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This is the third year I have Nationwide Pet Insurance. I find it easy to file a claim. My vet keeps claim forms there and we fill it out together and they fax it in for me. I get a confirmation email from Nationwide and then I get the money.

I couldn’t ask for more. I take my dog to the vet, get an electronic copy of the receipt, file a claim and before I know it, I have an email stating it was processed and is all set. I don’t have much experience with other pet insurance but so far, I have no reason to leave.

Customer service rep over chat informed me I had to wait until my trial coverage ended to extend my plan and when I called back I was told it was too late and that to register for a new plan my premium would be 3.8x the previous one. Said they would not be willing to reinstate grace period even though it is their fault for telling me I had to wait to rejoin a plan.

Over the years their wait times have become longer and longer, their claims processing have become more and more dysfunctional, and their customer service IQ has steadily dropped. More specifically, I re-signed up with them approx 45 days ago to give them another chance after getting a new puppy. In that time I have submitted two very small, fully vetted and verified claims directly from my State licensed veterinarian. One of them was initially denied for being "pre existing". After making 4 separate phone calls, each one 1.5-2 hours of being on hold (I have phone records to prove this) I finally spoke to several claims reps all whom transferred me all over, and each somehow found a way to be more rude and posses a lower IQ than the one before. One of the reps, was able to see that their claims department simply did not read the claim properly, and put a label as "pre existing" when it was in fact not true. That rep assured me that the supervisor for that claims processor would be contacted as this was an obvious error on their part, and that claim would be taken care of "immediately".....well 2.5 weeks later...another 3-4 phone calls (each one being on hold 1-2 hours, and ending with arguing with multiple people who probably cant spell "claims"), and the claim is not processed (neither is the second claim that I sent in in the interim). Healthy Paws is rude, unprofessional, incompetent, lazy, and manipulative. Additionally, they are committed FRAUD because customers are submitting legitimate claims and these customers are not being paid because Healthy Paws is LYING and making up non existent reasons to deny the claim (after of course making them wait on hold for hours and hours).

We have been with ASPCA insurance for almost a year. Recently one of my animals has been experiencing some health issues. I was floored when Shelly from the customer care department called to check on my dog! If I could improve one thing about ASPCA it is the claims processing, and that isn't terrible. I have checked several other top rated pet insurances and some of them do not offer a "wellness" plan, so you are on your own with the normal and routine stuff (annual check-ups, heart worm prevention, regular shots). My particular vets office charges a little more that ASPCA reimburses, but that is just like going to your own doctor and paying your co-pay.

My two year old lab mix had to have foreign body surgery which would’ve cost my husband and I close to $5,000 without pet insurance. Luckily we have Healthy Paws and they processed our claim in less than 10 business days. Everything that their policy states was covered at 90%, after our annual deductible. I’m very glad we signed up for Healthy Paws when we first adopted our pup. The monthly premiums are reasonable based on the coverage and their customer service is excellent.

Couldn’t be happier! Claims are super easy to submit and getting money back happens so quick!

I have never had a problem or delay in any of my filings. Everything has been done by email, I am kept update on the steps they take during the rpocess.

Submitting claims to Nationwide could not be easier - very straightforward forms and I am always notified within 48 hours that the claim is under review. The explanation of benefits is very detailed, which is helpful for those of us new to the pet insurance world!

Prompt response. Would like clearer description of why something is covered or not.