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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Big fish tries to get over on little fish
***LONG POST ALERT BUT WORTH THE READ*** I had a policy with Embrace for several years. My policy included 80% reimbursement with $300 deductible and covered wellness care also. Last year my dog got sick, vomiting frank blood and I took him to the emergency vet where he was diagnosed with gastric ulcers. I proceeded to take him to his primary vet for follow up and they confirmed the findings of the emergency vet. I gathered all of my documents, bills, and claim form, submitting those to Embrace. Embrace denied my claim citing "pre-existing" due to his kidney disease. I reached out to both the emergency vet and his primary vet to inquire. Both veterinarians confirmed the ulcers were NOT related to the kidney disease. I submitted those letters to Embrace and they still denied my claim. Eager to prove my case, I filed a 1st and 2nd appeal. Embrace submitted for a independent exam in which the examiner stated "the ulcers COULD be related to the kidney disease but could also be related to another disease with similar symptoms." Again they denied me as I argued their position is speculative. Wanna know what I did? I sued them in small claims court and I WON!!! The judge agreed that Embrace's position was speculative and not rooted in facts when two licensed veterinarians confirmed the illness to be unrelated to kidney disease. When I pointed out to the judge that Embrace had also violated their policy provisions, the judge awarded me 3% interest for the past 5 months. So do yourself a favor, SUUUUUUUUE! Insurance companies get over all the time because they know people don't want to spend the money to fight against them. The beauty about this pandemic, your court case can be held from the comfort of your living room. I give them a 3 star because I've had other claims that did not involve potential pre-existing injuries and those claims were paid without a problem. I'm honest & I'm fair.
Insurer: Embrace
By: AISHA
Fast accurate and easy!
Fast, accurate and easy!!! No problems at all, claim was processed right away and didn’t have to wait more than 5 minutes or so. Highly recommend to one and all that own pets.
Insurer: Trupanion Canada
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I've been with Trupanion for many years and I think you guys are the BEST!
I've been with Trupanion for many years and I think you guys are the BEST!
Insurer: Trupanion Canada
By:
Submitting invoices is easy received correspondence throughout the process and payment was received quickly.
Submitting invoices is easy, received correspondence throughout the process and payment was received quickly. Also full explanation of your claim.
Insurer: Trupanion Canada
By:
Claims always settled quickly and satisfactorily.
Claims always settled quickly and satisfactorily.
Insurer: Trupanion
By:
Claims are incredibly easy to submit online reviewed very quickly and communication throughout the process is top notch!
Claims are incredibly easy to submit online, reviewed very quickly and communication throughout the process is top notch!
Insurer: Trupanion
By:
Haven’t received the checks yet.
Haven’t received the checks yet.
Insurer: Trupanion
By:
I definitely would recommend Trupanion.
I definitely would recommend Trupanion. I’ve had nothing be great customer service and no issues with any claims.
Insurer: Trupanion
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