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I canceld my policy because of this.
I guess this leading statement in the comments box, "What went wrong this time?", explains their work. My dog is experiencing something to cause him to vomit and I've had numerous tests done on him to see what might be the cause. Because a vet visit 11 & 1/2 months ago mentioned vomiting, Embrace stated this is a preexisting condition. Vomiting? Really? Who has a dog who didn't. My case is extreme this time, but Embrace refused to reimburse me a dime on anything. They said he would be covered for vomiting in the future if he has no further case of it for 12 months. I guess I missed the window of opportunity by half a month.
Insurer: Embrace
By: John
My Pets visits to the the vets are…well worth it !
My Pets visits to the the vets are sometimes over too much,But believe in keeping them healthy!And you guys make my Claims so easy!Keep up the good work !
Insurer: MetLife
By: Eduardo Jauregui
Competitive rates and easy…
Competitive rates and easy reimbursements. Would recommend to any pet owner for peace of mind.
Insurer: Spot
By: Kelly Brink
Pets Best app is simple to use
Pets Best app is simple to use. Everything is explained and if you provide all the necessary paperwork the refund is in your bank account or mailbox quickly.
Insurer: Pets Best
By: Ana
Slow and frustrating. Go for HealthyPaws
When I adopted my dog (a puppy) from a shelter they used a site that in the process offered this pet insurance that would kick in at midnight after you adopt your dog. Not metlife's fault but you didn't get to choose much or read much about the coverage other than you can buy more that would cover more day to day stuff which I did not (and still don't) care about. It did not though state that there is a $5,000 per year cap, just that it'd be a $250/yr deductible and 90% reimbursement which I do fault them for. What was confusing then was it seemed like you are locked in for a year. I called and the rep said no you can cancel any time even if you make a claim. I am still not certain what will happen when I cancel because you have to call to cancel, you can not cancel online like you can with other insurers. I have HealthyPaws for my other dog but that takes 15 days before you can make your first claim which is why I went with this temporarily. The next issue is many people don't keep the shelter's dog name for a puppy. You can't update your dogs name, you can give them a nickname so I put that down before any claim. Clearly that wasn't enough for Metlife to understand that the claims are for my dog. The other issue is their claims process is extremely slow. 3 to 5 days to just review your claim then an additional 10 plus to process it. After a 10 days I got my claim rejected. They wanted an SOAP which I submitted (this is your medical history) but they also wanted invoices...which is also what I submitted. Everything is line itemed and the same invoices I've submitted to HealthyPaws and get paid on within 2 to 3 days. They also said my pets name is wrong in the email but not on the site. I will give them this: one thing is weird in that there are invoices from 2 clinics because we had an after hours incident, but they don't say which vet they want SOAP for or anything. TLDR; everything is slow, opaque, you get emails and links to "view your packet" and most don't go to your packet, and it seems like the bad parts of human health insurance. I have had 3 dogs on HealthyPaws including one that got various cancer treatments (radiation therapy and chemo therapy) and it was all so much easier, faster, and more humane. Update 10/29: I have had 4 calls with MetLife. They updated my pets name as the nickname was insufficient, and I keep getting emails saying they are missing information over the course almost 3 weeks. Agents have tried to help but also no one has re-reviewed my claim and the hope is by the end of this week someone will check. The agents are very very nice but this is the absolute worst. I see that MetLife responded to this and nothing has really changed in the 2 calls since I left this review.
Insurer: MetLife
By: Nick D.
Works good!
In general, it works very well. You upload the information to the system, and within a few days, you receive the reimbursements. My suggestion would be that for those of us who don’t understand much about how insurance works, the policy could be more explanatory.
Insurer: Spot
By: GABRIELA
Prompt reimbursement professional agents
We have had Pumpkin insurance about 4 years now and they continue to be the best investment in our dog’s life. The claims process is quite simple. If you’re looking for hassle free insurance, I would recommend Pumpkin.
Insurer: Pumpkin
By: Nayantara
you take too long to review
you take too long to review your claims, you have more than doubled your cost in less than 3 years.
Insurer: MetLife
By: Matthew Boucher
They stand by their word!
This is the first pet insurance that actually care and stand by their promise to reimburse for services they say they will!! I have had others with previous dogs but Pumpkin is by far the BEST!
Insurer: Pumpkin
By: Nancy