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Heard great things
Heard great things from a friend who has his pets insured by you. Spoke to Stephanie who was able to answer all my questions easily.
Insurer: Prudent Pet
By: jawsgmail.com
They're great if your pet isn't critically ill
They're great if your pet isn't critical. But when your pet is in the hospital and you don't know if his claim will be considered an accident or an Illness (he hadn't passed his illness waiting period yet), you start having to ask hard questions about what you can afford. You drop $2,000 on the first battery of tests, hoping to get a clear answer on if this is something chronic or an accident. You're honestly hoping for a bowel obstruction, because while that may be one of the worst case scenarios, that's a clear accident You know will be covered. You answer a call at 3:30 AM, asking you to pay another $4,000 for more tests. They didn't find a bowl obstruction but his fever is still dangerously high. You have to consider, while half awake and worried for your poor sweet boy, if you can afford that if insurance denies the claim, or if you'll have to euthanize your beloved pet because you can't afford it and just don't know if it'll be covered. If you're in this situation, you'll get no timely help from this company. First of all, there's no after hours emergency line for critical claims questions like mine. I bit the bullet and paid $3,000 before I ever got to speak to Embrace. When their phones were back online, I called to try to expedite the claim process. I still didn't have answers and didn't know how much more in diagnostics would be required. The people I've had on the phone have been amazing but I've never been able to speak directly to a claims rep. The people I spoke to understood the urgency and told me they'd try to at least get an answer on if the claim would be considered a pre-existing illness or an accident. They couldn't promise me an answer that day though. Now, 4 days later I still have no answer. And every time I speak to someone they all seem to have no IDEA what my previous conversations entailed or what I was asking for. No wonder the claims department doesn't find it urgent... Thank God my dog is stable, but if he wasn't, and if I was asked to pay another $1,000 on top of what I've already paid... I'd probably have to euthenize him. And how heartbreaking would it be to find out later, after he's dead and gone, that his claim IS covered? The bottom line is I know I can spend around $2000 on critical care for my pets. I stretched it to $3000 this time given the uncertainty of the claim. If Embrace is going to cover their care, then I know I can spend $21,000 (including $1000 deductible) and get reimbursed $18,000 (I'm on the 90% plan). But if they don't cover it, anything over my $2,000 limit is financially crippling for me and my family. Why don't they have a "CRITICAL" rushed claims process?? Why don't they have an after hours emergency team?? People get pet insurance to plan for the things that can't be planned for like this. I just don't understand how my claim is STILL pending. As far as the things you can plan for, I'd rate them 5 stars if that were the only consideration. I knew in advance the surgeries for my cat's knees would be covered. I was able to submit quotes for pre-approval and after the surgery wait the 5-7 days for the claim to be reviewed and the money to hit my account. That's all fine and dandy. Based on that experience I was hoping to be much more impressed by their handling of critical care claims but here we are.
Insurer: Embrace
By: Katelyn Hastings
no hassles or problems with embrace.
no hassles or problems with embrace.
Insurer: Embrace
By: Roxanne Barnett
Excellent customer service and knowledge
Excellent customer service and knowledge
Insurer: Prudent Pet
By: dugprogmail.com
Emergency Vet Visit
Our 3 year cat had to be taken to the emergency vet. She wasn't using the litter box, eating, or drinking. Our regular vet was closed for the night and we felt like we had no choice but to take her to the emergency vet. We spent 6 hours there waiting for the results, worrying about every little thing that could be wrong. But, honestly, I never worried about the cost, I knew we picked a good plan through Pets Best. In the end our kitten was taken care of wonderfully by the vets' staff (back to normal after fluids and pain meds), and we were taken care of by Pets Best.
What a horrible company
What a horrible company. They just increased our premium by 68% this year. When I called and asked why we had such a large increase they stated it was because we had been with them a long time and our dog did not have any pre-existing conditions. Steer far clear of this company!
Insurer: Embrace
By: Daniel Connelly
How easy it is to submit claims!
How easy it is to submit claims!
Insurer: MetLife
By: Rebecca Yurcek
The claim was handled in a quick and…
The claim was handled in a quick and efficient way
Insurer: Spot
By: Abhi
Friendly and Knowledgeable customer…
Friendly and Knowledgeable customer service. Reasonable rates and short wait time on the phone.
Insurer: Prudent Pet
By: CHARLES DOUGLAS
So thankful I have Pet Insurance.
Healthy Paws makes it so easy to submit claims. They are always fair and explain everything very well. Payment is also very fast. I thank God I have insurance for my Black lab. Peace of mind. Thank you again Healthy Paws.
Insurer: Healthy Paws
By: Evan