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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Good
I've been satisfied thus far until a recent claim for Jan. 9 came back with no info at all on the EOB: no amount, acceptance or denial, not even the date of service! I'm awaiting a response to my query.
Insurer: Figo
By: Janice
I feel secure with Embrace Pet Insurance
My golden retriever, Piper has been insured through Embrace Pet insurance since 2016 when she was a puppy. We take advantage of the wellness plan, which I consider a savings plan for preventative meds that I would be buying anyway. We have used the illness plan for minor illness and have had great customer service. I am retired and feel secure in the fact that as Piper ages, I'll be able to continue to give her good care because of the coverage Embrace supplies.
Insurer: Embrace
By: Donna
Unbelievable satisfaction - don't wait!
For the past 2 years or so I've been contemplating pet insurance, however my husband and I kept telling ourselves we can't afford it, we'll just continue putting our money towards healthy, high-quality pet food and treats for our 8 and 9 year old dogs. Still, that nagging feeling that what if one of our pups got a serious illness what would we do? Take a loan out on our house? Accumulate a high interest balance on our credit cards? Put them down? This past Christmas (2017) I finally convinced my husband to pull the trigger and we signed up for Embrace pet insurance and It was surprisingly more affordable than I ever imagined. especially if you pay for the entire year at once True store, January 7th 2018 our 9 year only pup had unexplained "bruising" on his tummy followed by an "allergic reaction" the following day. Here we are in February 2018 and after many tests and procedures he's since been diagnosed with a mast cell tumor (cancer) which has spread. All of our vet bill, ER hospital visit, and veterinary specialist receipts have been submitted and paid except for 3 recent ones still in review. I really can't believe how simple and easy it has been to submit and get claims paid. I also can't believe Embrace did not try to chalk this up to a pre-existing condition since the timing of it all was so unbelievably close. Our pup still may not win this battle but at least we have the comfort to know we are able to provide him with the best available medical treatment, without having to subject ourselves to the emotional decision just how much are we willing to give up financially to help save or extend his life. We are stressed enough with the thought of losing our boy, at least we do not have to stress about money or the discussion between a couple of how much are each of us willing to spend to save our beloved pup? Bravo, Embrace, you have been absolutely fantastic!!!!
Insurer: Embrace
By: Sue
Expensive premiums, slow reimbursement
I had my first reimbursements this year. First of all I learned that they do not use calendar years for reimbursements but your pet's birthday as the start of a new year so I paid two deductibles in 2017. Also, they were very slow examining my claim and it's been over 5 weeks since they said I would get my reimbursement checks and I still don't have them. I am looking for a more reasonable and customer friendly insurance company.
Insurer: Healthy Paws
By: Deeana
I am extremely satisfied with Embrace’s caring staff members during one of the worst times of my life.
I was so thankful to have insurance on my cat Jack. In his time of need with a undetermined illness taking place I was so thankful that I did not have to worry about how to pay for necessary testing and treatment. This is the first time I have ever had to submit a claim but you made a believer out of me
Insurer: Embrace
By: Tracey
I’m glad I have Figo! :)
I am really thankful that I purchased this insurance when I got my german shepherd puppy! My claims have all been handled and I couldn’t be happier!
Insurer: Figo
By: Tiffanie
Not a single complaint!
Before moving my dog to NYC, I was really concerned about the amount of trouble that she would get into. She is a corgi, low to the ground, and an extremely fast eater. I was really worried that she would eat some rotten bite of food on a walk and swallow it before I could stop her. I was also worried that she should get sick more often since there are so many more dogs here than in our home town. I ended up getting Healthy Paws pet insurance hoping it would bring me some peace of mind, and I'm so happy I decided to. The claims are easy to place and the turn around time for the checks is reasonable. I also appreciate how I can go to any vet that I want to without having to worry about whether or not they are "in network". Everytime I have had to place a phone call, their support staff has been helpful, quick, and very friendly. I am very grateful for the peace of mind they have been able up by provide for my pup and I.
Insurer: Healthy Paws
By: Leanne
Great customers service and very easy to use.
My experience with FIGO so far has been great. They have been a little slower than promised on reimbursements but are communicating with me every step of the way and working hard to fix it. I appreciate the honesty and communication. The site/app itself is easy to use and helps me keep track of everything.
Insurer: Figo
By: Zach
Great company
They are great. Had a routine claim that took a while to process but it got done and they were great about communicating where they were in the process. The app is awesome and I love the ease of using the service. Also, customer service is very responsive. I highly recommend and I am very difficult to please.
Insurer: Figo
By: Tarek
Best ever Insurance for my Westie!
After a considerable amount of research when selecting insurance for my precious Westie, I selected Embrace...and am very happy with the coverage. Filing claims is easy and if ever I have any questions, I can contact Embrace to ask their helpful customer service representatives about any concerns that I might have. The peace of mind knowing that Embrace has my Westie's back in the event of any medical emergencies that might arise is totally worth it. I always highly recommend Embrace to my pet owner friends. .
Insurer: Embrace
By: Gloria