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Easy claim process
I have used Met Life for almost 1 year — plan has 3 dogs on it. I have been very pleased with the customer service and ease of submitting/ processing claims.
Insurer: MetLife
By: Dana
denial of coverage
It took over 3 weeks to get any response or updated claim status once I submitted my claim. Apparently, they do a "medical review" when you submit your first claim in which they literally scrutinize everything in your pet's medical history. I knew pre-existing conditions were not covered; however, I didn't realize that included signs/symptoms related to that disease as well. My dog was in the hospital for 3 days for congestive heart failure and her bill was $3400. They denied the claim because there was a past notation of a heart murmur in her medical records. After reading the rest of their medical review, I was concerned about another diagnosis "polydipsia" that they listed as a pre-existing condition because it was notated in a past visit that she was drinking more water than normal. Polydipsia is associated with many diseases, notably kidney disease which is common with older pets. So now my concern is that anything kidney related will not be covered as well. When asked if it would be covered or not, she said that she couldn't answer that because it depends on what the vet says. Unless her kidney disease was due to some acute event like trauma or infection, I don't believe that it would be covered but they can't confirm that. I don't have a lot of faith in this company to provide coverage because there seems to be a lack of transparency and that they look for ways to deny claims. Unfortunately, after doing research online, there are issues with seems like all pet insurance. Either because of high premium increases, lack of customer service, denial of claims etc. For me, Spot was fantastic because my claim was approved in 2 days! But they raised the premium from $150 to $200 the following year. My advice to pet owners is to set up your own account for your pet once you get them and don't rely on insurance companies. If you deposit $100 a month in a high yield interest-bearing account at 5%, you will have almost $7000 for your pet in 5 years. It's too late for my dog because she is already 14.5 years old. But I will definitely go that route in the future.
Insurer: Embrace
By: Sheryl
Claim process & upload was fast and…
Claim process & upload was fast and simple.
Insurer: Embrace
By: Eduardo V Bernal
I didn’t know that claims had to be…
I didn’t know that claims had to be submitted within 90 days so a significant portion of the claims for my dog’s ear infection were denied. It’s all been one episode unfortunately and treated multiple different ways. The more recent claims were paid quickly
Insurer: Fetch
By: Denai
Great Pet Insurance
I have insurance for both of my pets and Embrace isn't the first company I've used. Submitting a claim is easy, they pay what they should. My 2 year old cat is sick and no one ever expects to deal with that. Having reliable insurance has made the experience so much easier. Now I can worry about her, instead of the money.
Insurer: Embrace
By: Brittany Martino
Unfortunately
Unfortunately, my conversation with the Embracer (which was going great) was disconnected. Luckily, we had covered most of my questions. There was 1 left which I figured out on my own
Insurer: Embrace
By: Mary Jo Wirth
I can't cancel my subscription
I can't cancel my subscription. I've been trying every day now and they keep saying they can't.
Insurer: Embrace
By: J fluff
No bang for the buck
I’ll write my review with numbers: $150 a month for 5 years = $9,000 $750 claim w/ only a $227 reimbursement $341 / month new premium after claim as punishment for using the policy. It would be so much smarter to take that $150 (or $341) and put it in a HYSA to prepare for an emergency. Then if nothing happens to your pet, you have over $9k in your bank account. Don’t use this company.
Insurer: Embrace
By: Drew S.
Embrace has been a Fantastic Insurance for us and our Pup!!!!
Embrace has been such a relief and asset for our family. They are always willing to listen give suggestions and make sure you throughly understand. I would not hesitate to refer Embrace to Family, Friends etc. Thank You Embrace
Insurer: Embrace
By: Steven Ladrido