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2

out of 10

never enough reimbursement to satisy

Every time we have a big bill from our Vet, it turns out hardly any of it is covered by Embrace. Very frustrating to say the least. Its all in the exact wording by the Vet himself. If there is even the tiniest chance there could be some association with anything pre-existing, or if a physical exam for say dermatitis also included some regular wellness exam procedure... then POOF- there again we have lost our chances of getting a deduction! This has been going on for over a year now! Very very very frustrating. The dog has had like 4 exams for varying problems and every time Embrace manages to weasel out of paying, because it looks like a wellness exam or some fluke possible thing from a "possible" tick (which there wasnt even any proof of...) on and on and on.... I am glad others have had some good luck, but definitely not us.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Miniature Schnauzer
  • AGE OF PET: 1 - 8

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10

out of 10

The Best Pet Insurance

10 is the best, then Pets Best is 10+. I want to thank you, Pets Best, for all the service and caring.
  • INSURER: Pets Best
  • POSTED: 08/29/2017
  • BY:
  • BREED: Pekingese
  • AGE OF PET: 1 - 8

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10

out of 10

MUST HAVE!!!

THE BEST, I KID YOU NOT, THE BEST THING I HAVE EVER DONE AS A PET OWNER IS GET EMBRACE INSURANCE. I have owned dogs all my life and they can always come up with some unexpected health issues, no matter what the age or type of dog. Since I have had Embrace, they have covered a rough onslaught of medical conditions that neither of my rescue dogs were ever forseen to have- and Embrace did it without ever objecting, making my life difficult, or capping benefits. The payments are prompt and the people there are delightful to deal with- they take a personal interest in your dog and they always follow-through on being sure you received your money. My one dog, only 1 1/2 years old, recently went through approximately $15,000 in medical expenses for an unknown illness that was causing her to waste away. Because of Embrace, we were able to pursue all the treatments she needed and she is now recovering, happy and healthy again. In addition, the specialists found two conditions that we can now do preventative treatment for so they never become a large issue later in life. This on top of the more than $10,000 they have put out on my other dog who needed extensive oral work and ended up with a neurological disorder, another young dog. I am so fortunate to have spent the time researching these pet insurance companies. Embrace is the one and only who will cover you for everything, do it completely and do it with a smile. Unbelievable blessing for those of us who love our furry famil
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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4

out of 10

Disappointed

The claim was processed in a timely manner, however, I was disappointed in the amount of reimbursement, only $25 of a $135 billing. This was not the first claim where I have had this experience, so I cancelled the insurance policy.
  • INSURER: Pets Best
  • POSTED: 08/29/2017
  • BY:
  • BREED: Pug
  • AGE OF PET: 1 - 8

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2

out of 10

Always Found Ways to Avoid Paying Claims

I filed several claims with Trupanion. 1st was emergency for diarrhea and vomiting. They didn't pay because fecal test was negative for giadia and giardia was mentioned as possible cause($410.00). 2nd was for a few blood tests and Vet. visit to rule out hypothyroidism ($327.00). Again, they paid nothing. 3rd was for retained deciduous teeth which they said was covered prior to the Vet. visit and surgery ($1300.00). After I sent in the claim, they said it wouldn't be covered because it was a pre-existing condition even though I got the puppy at 10 weeks old with all the baby teeth in their proper positions. After calling Trupanion to discuss these problems, all I received was a rehash of the reasons why they would not pay any of the claims. They only thing that was done correctly was the refund for a partial month's payment after cancelling the policy and switching to Purina Care. I have had absolutely no problems with Purina Care.
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Tibetan Terrier
  • AGE OF PET: Under a year

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10

out of 10

Healthy Paws equals peace of mind!

I’ve had Healthy Paws for over a year and thankfully, haven’t had to use them until now. Our 4 year old Lab mix had some constant licking/itching problems for about a week. Let’s just say it was on the south bound end of a north bound dog. Before I took him to the vet, printed out my pre-populated claim form (thanks for that Healthy Paws - I can never remember my policy numbers!). It was nothing serious and the vet just gave us some topical meds for the temporary condition. My vet was pleasantly surprised at how simple their task was in filling out their portion of the claim form. The day after I faxed in the claim form I got an email telling me the claim was in process. Two days later I got a call from one of their customer care reps with an explanation of my claim payment (there was none since the amount covered did not meet the $50 annual deductible, but I knew that when I filed it). Not only were they concerned about our dog that went to the vet, they also inquired how our other dogs were doing!! So, like that credit card commercial: cost of taking family out to dinner once a month = $80. Using part of that money on Healthy Paws to cover our 2 dogs for our peace of mind = priceless!!
  • INSURER: Healthy Paws
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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7

out of 10

Prescription Coverage

I was very pleased with the initial communication with the Embrace staff and after Ellie's first accident.It seems that prescription coverage is an additional cost even if there is an emergency. My dog doesn't require daily prescription drugs however she was bitten by another dog which required stitches and an antibiotic for wound care at the cost of 537.00. The cost for the drug for this claim was not covered. I am still very unhappy about that incident. I have also been comparing other companies and their policies before I renew with Embrace for the following year. Not sure I would recommend Embrace to other pet owners.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Labrador Retriever
  • AGE OF PET: 1 - 8

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9

out of 10

Glad I had it!

2 weeks after signing up our beagle puppy Clark for thinsurance he was hit by a car. He will make a full recovery, but without the insurance I dont know that we could have afforded to have him treated. So far his bills are over $2800 and we are not done yet. Thankful I have it, our puppy should lead a full happy life now because we could afford the treatment he deserved
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Beagle
  • AGE OF PET: Under a year

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10

out of 10

DONT WAIT TILL ITS TOO LATE

Last year I signed my Great Dane LEXIE up for TRUPANION thinking I would NEVER really use it…To my surprise I have had more than my share of experiences with this company.FIRST I must say it was the SMARTEST investment I have ever made. SECOND, it has been the BEST EXPERIENCE. They have ALWAYS handled my claims in a timely, pleasant & efficient manner. THIRDLY they have ALWAYS PROVIDED her the coverage they claimed they would, some of which was outrageously expensive!!! WITH OUT ANY HASSLE SO don’t even think twice about giving yourself and your pet the BEST AFFORDABLE CARE available! CONSIDER IT PEACE OF MIND
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Great Dane
  • AGE OF PET: 1 - 8

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10

out of 10

Healthy Paws is the best insurance available

Healthy Paws is the most professional company I delt with this year. I called every single pet insurance and really did my homework compairing rates, servcies and benifits. I also read the reviews. I was a bit concerned that the reviewes were too positive and now I am writing a glowing review just becouse this company is amazing!Our dog Maggie had to have surgery on both of her knees (both ASLs are 90% torn similar to a human ski injury). Healthy paws covered both surgeries, x rays, meds, vistis, etc 90% of all costs exactly as they advertise and no funny busienss with paper work. We scanned the receipts and received reimursment checks within few days. The folks at Healthy paws really care about animals and pet parents, they are knowlegeble, kind and professional. If you want the best pet insurance for your dog or a cat Healthy paws is the best choice with lowest premium and best benifit coverage. This is a pet version of royal PPO! All my friends with pets are getting this new insuance.
  • INSURER: Healthy Paws
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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