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Quick and easy
Embrace Pet Insurance offers a quick and easy claims submission and reimbursement process, managed online. I had my pets signed up for the Wellness Rewards (and then promptly forgotten what it covered). I called to check in on those and quickly discovered that I was sitting on receipts I could submit for reimbursement. All the claims were approved same day and I had reimbursements in my bank account the next day. I could not be more pleased with their service.
Insurer: Embrace
By: Brooke Guelker
They were great
They were great. I had Bivvy before and they were great as well but stopped offering pet insurance. Spot was the perfect alternative. They people who work there really care and follow up. I would highly recommend as an affordable pet insurance option.
Insurer: Spot
By: Elizabeth
I wanted to make sure I picked the…
I wanted to make sure I picked the right insurance for my pet and so far I am really happy with Spot. The process to file a claim is quick and easy.
Insurer: Spot
By: Arturo Padilla
Simple process to submit claims
Simple process to submit claims, prompt return times on refunds for claims.
Insurer: Fetch
By: Jill
Honest
Honest, helpful and efficient. I feel safe knowing my pup will be taken care of :)
Insurer: Spot
By: Thomas McEntee
Lack of Due Diligence. Presumptuous Claims Adjusters!!!
After 2 appeals and 9 weeks after my dog's surgery, Pets Best finally decided to pay the claim. The initial claims adjusters/underwriters for Pets Best are presumptuous and deny claims that they have not fully reviewed. No due diligence is done before they deny your claim. They will not speak to you nor your pet's vet. Pet Best cost me hundreds of dollars in credit card interest by denying my claims hoping i would go away. Unfortunately for them, I'm not going anywhere. Their website says they pay claims in 5-7 days. They took 5 WEEKS to deny my initial claim, then it only took them 2 DAYS to deny my appeal. Finally after another 2 WEEKS they approved my 2nd appeal. Afterward I had to wait 7 days for them to pay me via direct deposit. The whole process was ridiculous and unnecessary, as I provided them with almost 7 years of vet record documents from the day the dog was born to the day of surgery.
Insurer: Pets Best
By: Jeffrey “JB” Becraft
Reimbursements take about a month
The coverage is good and filing a claim was fine. The upload tool is a little broken but you can work around it. My biggest complaint is that the reimbursement timeline is unreasonable, especially when the bills are high and you're running up your credit card waiting for the money to come through. A month is just too long. I moved from Spot and they processed claims super quickly—miss them and lesson learned for next pet.
Insurer: Pets Best
By: Jarica
Poor communication for reimbursement
Poor communication for reimbursement on multiple occasions. The nail in the coffin was when they stated that an ACUTE otitis media infection wouldn’t be covered because of a pre existing condition within the past 12 months of allergic dermatitis that occurred 10 months earlier. Let me just say this is hogwash … no offense to the hogs out there
Insurer: Figo
By: H Duarte
Poor communication for reimbursement
Poor communication for reimbursement on multiple occasions. The nail in the coffin was when they stated that an ACUTE otitis media infection wouldn’t be covered because of a pre existing condition within the past 12 months of allergic dermatitis that occurred 10 months earlier. Let me just say this is hogwash … no offense to the hogs out there
Insurer: Figo
By: H Duarte
Poor communication for reimbursement
Poor communication for reimbursement on multiple occasions. The nail in the coffin was when they stated that an ACUTE otitis media infection wouldn’t be covered because of a pre existing condition within the past 12 months of allergic dermatitis that occurred 10 months earlier. Let me just say this is hogwash … no offense to the hogs out there
Insurer: Figo
By: H Duarte