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Warning to all considering this…
Warning to all considering this insurance company. Our 1 year 2 month old puppy sustained and unspecified injury to his right hind leg, most likely during late night rough housing as it was not observed. After 24 hours we brought him to the urgent vet to determine the extent of the injury. With X-Rays complete the vet noted the injury location and signs/symptoms. During the claims process, embrace decided to correlate one symptom, "Limb Lameness" to a disease/illness to avoid paying an injury claim during the first 6 months of the policy. We were the told to reach out to the urgent care to explain Embrace's claim in which they explained back to us our note repeatedly identified this as an injury and would not provide additional documentation because their notes were sufficient. We had this reviewed by Embrace's claim management team and were directed to get a follow-up with our vet and appeal. Another $100+ we have submitted the documentation they wanted. Our Vet confirmed that Embrace's notes did not make sense and the urgent vet notes were sufficient. They completed a follow-up exam and verified no indication of illness at this time. We have canceled the policy and warn all those that intend on using this insurance company. Response to embrace response: The pre-existing conditions policy is used to side step the injury coverage vs illness coverage. Be warned that this company will self diagnose your pet without seeing them regardless of your vet diagnosis to ensure the injury symptoms are covered by an illness. This puts the injury if applicable into the 6 month pre-existing window. For context this injury occurred 2 weeks prior to the ending of the 6 month window even in the event of it being an illness, this company is not interested in taking care of their customers.
Insurer: Embrace
By: Alex Sheldon
Everything about your company has been…
Everything about your company has been wonderful. The submission procedure is so easy and the reimbursements are always so fast. I wish I had gotten pet insurance from you years ago.
Insurer: MetLife
By: Paula Speiden
Easy and complete service
The best of the best. Great explanations. Very positive outcome. Thank you!
Great value, great service
Did a lot of research into each insurance plan, and Met Life offers the best value. So far so good, quick turnaround on my first vet visit reimbursement.
Insurer: MetLife
By: Mr. Sadler
Claim filing process was simple
Claim filing process was simple, our claim was processed quickly. We received payment directly to our account a day after the claim was adjudicated.
Insurer: MetLife
By: customer
Quick and easy service
Quick and easy service. I get paid what I am entitled to in just a few days. The whole process takes no more than a few minutes.
Insurer: MetLife
By: Tracy
I appreciate the ease of being able to…
I appreciate the ease of being able to set up a new health insurance policy for my cat Cougar. I look forward to the coverage he has.
Insurer: Nationwide
By: Michael Adams
Submitting claim was seamless/easy to…
Submitting claim was seamless/easy to navigate and reimbursement was timely-much quicker than I expected!
Insurer: MetLife
By: DONALD SOWDEN
Company denies hip chew claim that…
Company denies hip chew claim that recommend and that is covered. Don't use met life they deny everything.
Insurer: MetLife
By: Mark Polley
Okay experience
I submitted my invoice via Trupanion. I waited for a response and when I finally got one it was that my claim was denied. When I spoke to a rep via phone I was told my documents were never received and the documents were received were completely dark. I submitted the invoice thought the clinic and was instantly approved. The other problem I have was the total was 1,930. My deductible is $800 and you all are paying 900. I was never told why the additional amount was covered and when I called I was told it was the exam charge. When I told the exam was waived and indicated in the final invoice I was given the run around. While I’m grateful trupanion paid some money. It doe feel like I was treated like a number. I would have an appreciated someone calling me to tell me what was missing or what was approved and what was denied and why.
Insurer: Trupanion
By: Nicholas