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It takes way to long to get a claim paid
It takes way to long to get a claim paid
Insurer: Pets Best
By: Steve Bultman
Stay away from this insurance!!!
Stay away from this insurance!!!! I have an 8 month old puppy I rescued from a back yard Tied to a trampoline with no water in the Florida Sun. He was emaciated, and crying. I brought him home, fed and bathed him, then signed him up with Spot for pet insurance on October 21. I signed him up for accident/illness coverage, and was told there was a 10 day waiting period for the company's protection against pre-existing conditions. I called my vet and tried to schedule for an appointment, and the earliest one I could get was for November 9th, so I scheduled it, figuring I had the waiting period to get through. Around Halloween, I noticed that he was squinting his right, and that is was a little red, a couple days later, he stated scratching constantly at his right ear. I bought dog wipes, and cleaned out both ears. He was fine for a couple days, before I noticed he was starting with diarrhea. I called the vet's office, and they told me to give him boiled chicken and white rice because he was emaciated. November 9th I took him for his visit. He had an eye infection, an ear infection, and hookworm. They cleaned ans packed his ears, gave him a shot for hookworm, and treated his eye. They also gave him his puppy vaccinations. I was prescribed medication for all three illnesses and we were sent home with a two week follow up scheduled on November 22nd. The next morning, I filed the claim, and gave a brief description of what was going on. The vet bill was $465, $159 of that was for his vaccinations, which I knew was not covered under his plan. The claim took 3 weeks to process, and Spot blamed it on the vet, saying they never sent the info over to them. my vet showed me proof that they sent it over twice. The claim was finally processed, and 3 of the 4 categories listed were under accident/Illness, which left a total of $306 dollars which was not reimbersed. I called Spot to inquire about this, and they told me that the illness started before the waiting period was over. I told them I waited 19 days to take him to the vet. I am not a vet, and I could not diagnose him if there was an illness! That's why i took him to the vet!!!! they told me the illness occurred before the end of the waiting period, therefore, it was not covered because it was considered a pre-existing condition! Really. I paid my premium, went through the waiting period, and my dog got sick before his vet appointment, and it's a pre-existing condition???? They use technicalities to the limit!!! I am not a vet!!! I should have lied in the box where they asked what was going on. They lied, why cant I? Spot feeds you the line that they are all about pet awareness, then they pull this??? THEY ARE LIARS, AND THEY WILL RIP YOU OFF!!!! Do not rescue a dog with this insurance!!!! If you do, lie about everything, or you won't be covered!!!! I am cancelling this policy and going with a different pet insurance. I know his second claim for his follow up, which is still in processing after a week, will be denied. Do your homework before buying pet insurance!!! My health plan doesn't pull this crap when I file a claim!!! Ive gone to my local news station, and they are doing an investigation on Spot, and their reimbursement policies! Stay tuned... Update: they are very so sorry for my bad experience, and that is never easy to reject a claim. I should call the customer service number, and they will explain why my claim was denied. DON’T GET THIS INSURANCE!!!! I called the customer, and they explained their decision, and I repeat what I said before. THEY ARE LIARS AND THEY WILL RIP YOU OFF!!! Do not expected to be reimbursed for your claim! They will give you every excuse as for why they denied your claim!!! Nothing has Changed!!! I am going to go with Pumpkin Pet insurance. They really care about both you and your pet! They promote pet wellness. Spot will just take your money, lie to you, and screw you!!! My local Fox Television station had been contacted, and they will be doing an investigation followed by a news story about Spot and other companies lack of transparency! Stay tuned. This is not over!
Insurer: Spot
By: Rick Doyle
Best Insurance Company Ever!
Lemonade insurance is by far the best insurance I have ever had! I started with their renter's insurance and I was so happy with their customer service and their turnaround time for claims., that when the Pet Insurance became available, I knew I had to switch over and add it to my insurance bundle. My dog became very ill one night where we had to take him to the emergency hospital after-hours. The veterinarians had to do an exam, run blood work, use the x-ray machine twice (once initially and once for a follow-up), give him medications, an IV, and so much more. It was obviously a stressful situation with my poor pup but I felt comforted knowing that I was backed up by Lemonade's Pet Insurance. Once I filed my claim, I just needed to provide the medical summary and the invoice that was provided to me from the animal hospital. My claim was approved and the money was in my account 48 hours later. I only had to pay my deductible and the exam, which is not covered (but that is transparent in covered policy document they provide you when signing up). I have had other Pet Insurance companies and their customer service and resolution time takes much longer, with coverages not being transparent so you have to pay much more out of pocket. Lemonade's monthly rates are very competitive and their customer service is superb. I 100% recommend using this insurance company.
Insurer: Lemonade
By: Natisya
I cant get a hold of a person to even…
I cant get a hold of a person to even help me login. horrible. embrace would pick up. -.-
Insurer: Spot
By: Romero
Best Insurance
I had Embrace for many years, for my kitties. They are awesome. Great coverage, super nice customer service, quick reimbursement. We adopted 2 new kitties and I had them added to the policy today. It was very easy to do it. The gent was nice and very helpful. Embrace never disappoints!!
Insurer: Embrace
By: Claudia Ionescu
Great Customer Service
This was my girl's first covered claim. Trupanion representatives walked me through it online and on the phone. Covered items are fair. I would absolutely recommend Trupanion to any pet owner. These days it's rare to deal with responsive customer service representatives promptly and in person.
Insurer: Trupanion
By: Phil
Love this company
Love this company. Have always been fair and easy to work with
Insurer: Embrace
By: Kathy Hamilton
Easy, instant claims!
Lemonade is the best pet insurance company ever! Claims are easy to file and I usually get reimbursed within seconds. Recommend 10/10
Insurer: Lemonade
By: Yoel
I do not recommend this company
I do not recommend this company. Customer Service is somewhat okay. I spoke with one Advisor about one of my pets policy and of pre-existing conditions and was told he is not covered because he was simply "looked-at" and it was noted about a potential problem. When I decided to go with Embrace, they labeled all his previous care as a "pre-existing" condition. This was a huge waste of my time and money, and the advisor was upset that I decided to cancel one of my pet's coverage and move to another company. Very unprofessional. However, I decided to give them the benefit of the doubt and leave another pet of mine with Embrace. It was then requested that he would have an evaluation under the Claim's department, in order to determine what sort of coverage he has, and what may be covered. I literally just got off the phone with a representative telling me this request was submitted on or around 7/13/2021. It's 12/3/2021. This is a pet insurance company. This should have been done ages ago, and I had to find out that I basically do not know what my pet is covered for. This is completely unprofessional and inexcusable. I will be cutting ties with this company as soon as they fail to meet my standards. I say "will" because I am not confident in their ability to get things done. I DO NOT recommend this company, whatsoever. They are leeches only after money.
Insurer: Embrace
By: Ruben
Highly recommend Healthy Paws
We purchased a Healthy Paws policy when our dog was a puppy, and we have been extremely satisfied with the policy and the service. The company is clear what they will cover, and I have never had them argue a reimbursement. In fact, our dog recently had major leg surgery, and they covered it and sent us a reimbursement within 2 days of our claim submission! They are very easy to use with either the computer or the mobile app, and everything is taken care of quickly with automatic deposit.
Insurer: Healthy Paws
By: Leslie