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Inflexible timing for policies
Purchased a policy last year for our 2 year old dog. Had first wellness visit and process went well, got reimbursed for the qualified amount fairly fast. This year we were notified by our vet that it was time for wellness so we booked based on our available schedule between business trips. Well, turns out the appointment was 1 day earlier than last year, so Embrace denied the claim saying the "new policy" hadn't started (even though it was submitted 2 months after the fact and we had a recurring policy). They used the exact 365 days instead of having any sort of flexibility to the fact it was a year later, which is not feasible when trying to schedule appointments around work. I asked if they had an exception process given we were talking only a single day, and they said they make no exceptions for any reason. Beware that they have ZERO flexibility and will hold to the letter of everything without any exceptions. I explained I intended to be a customer for years with current pets and future, but they had no interest in keeping me as a customer. All due to a 1 day difference in the appointment.
Insurer: Embrace
By: Don Moffett
Fast and easy service
I’m so glad I changed my pet insurance over to MetLife. They have been very fast with reimbursement on claims and cover so much more than my prior carrier. I have so much more peace of mind knowing that if my pet is ill, I don’t have to worry about finances.
Insurer: MetLife
By: Tama
my previous claims were handled rapidly…
my previous claims were handled rapidly and the process was painless.
Insurer: Embrace
By: DAVID P.
Pet Covered and Simple to use
Simple forms uploaded and ease of making a claim. Coverage for my cat's wellness checkup went well and Spot Pet Insurance took care of a very fair portion of the Vet's bill. Very Pleased
Insurer: Spot
By: Andrew Brasko
We weren't told about the first month's…
We weren't told about the first month's premium being larger to cover two months, which caused concern.
Insurer: Nationwide
By: Frank
Great App
App is so easy to use. Great experience and putting in a claim is seamless.
Insurer: Spot
By: Patricia Mccomb
love Embrace Pet Insurance
love Embrace Pet Insurance the company is quick to review your claim and pay. My only issue is the amount my policy goes up each year the percentage seems too high. with that being said they are super great otherwise.
Insurer: Embrace
By: Victoria
Trupanions Bait & Switch pet insurances policy
I bought this pet insurance when my puppy was about 13 weeks w no pre-existing conditions. One year later, that’s still true. Although the premium was almost double comparable insurers, it seemed worth it, because the TRUPANION PROMISE is your rate will never increase with the dog’s age!! Now for the BAIT & SWITCH!! After 1 year, my pet insurance jumped from $114/mo (pretty expensive!) to $148/ mo! A 30% INCREASE AFTER ONE YEAR! When I called, the rep explained that rates still increase each year, just not because of the dog’s age. 30%? The US inflation rate in that time increased 1.9%. Trupanion told me that “possible yearly increases” are explained in the contract - true, but the 30% increase is 15X the US inflation rate. The original sales rep I signed on with NEVER indicated that ANY price increase was possible! BUYER BEWARE!!
Insurer: Trupanion
By: Suzanne I am
The knowledge & compassion
The knowledge & compassion of the agent!
Insurer: Nationwide
By: JANICE JOHNSON
I've been unable to find a vet or…
I've been unable to find a vet or animal care center in TULSA that accepts your coverage.
Insurer: Trupanion
By: Aaron