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Stay away if you have rescue
******DO NOT go to them if you have rescue animals!!!!******** Originally I got an email from them upon claim submission that they need all medical record AFTER, let me repeat, AFTER my dog joined our family. I even called and made sure I have nothing else missing. My dog is a rescue we adopted him 6 months ago. The first occasion to a vet was a month ago with the symptom on the claim. Now they sent me this on email: "A pet....ON THE DATE OF ENROLLMENT must have undergone a COMPLETE clinical examination. " If I can't provide this, "any signs and symptoms noted (in claims submitted) would NOT be eligible for coverage." because they will consider those as pre-existing condition. Luckily, I can provide since the dog was an owner surrender. and I know which vet they used. But most dogs at rescue or shelters don't have any medical records. **********DO NOT use this insurance for rescue animals!!!!!!!!*********
Insurer: Healthy Paws
By: mia
Disappointed
I read the policy very closely about pre-existing condition and exceptions related to skin masses. My dod has had a skin mass for years and no symptoms at all but because of the size not the Vet would like to narrow down the extent of the issue. The is therefore not a pre-existing condition because the mass has not been diagnosed, no symptoms have resulted, and information regarding my understanding was confirmed by a customer service person, My Vet and the pre-certification actually outlines this very thing but yet my claim was fully denied. A skin mass that needs removed to determine status (benign or malignant) should be a covered service. I could see if if was found to be cancer because I would not expect any treatment to be covered but a diagnostic procedure??? Come on... really.. not support alt all. What do I have this service for. If this is not corrected I will leave this company all together.
Insurer: Embrace
By: Jacinta
Great experience.
Make sure your direct deposit info is filled in and complete, so you receive payment quicker.
Insurer: Pets Best
By: Dawn
Claim
Claim was reviewed and paid promptly
Insurer: PetPartners
By: Sandra
Embrace is absolutely amazing
My kitty Sasha suffered an acute kidney injury caused due to an accident. We had her treated in the hospital right away .She is such a champion. I was really worried about the cost, but there was no way I wouldn't have done everything possible to save her life. Embrace had processed the claims quickly . I've had Embrace for over 7 yrs now and they have always been amazing : their customers service is friendly and knowledgeable , processing time is very short, insurance policy is transparent and easy to understand, claim submission process very simple. They really make you life easier when going through difficult time.
Insurer: Embrace
By: Claudia
Best Insurance Possible, Highly Reccomend!!!
I've had Healthy Paws insurance for my 3.5 year old Boston terrier, Gizmo, since she was 8 weeks old and it's been such an amazing game changer for us. Very unfortunately we've had some bad luck with freak accidents and genetic issues leading to a broken tibia, knee surgery, outrageous allergies, and most recently a cataract. Healthy Paws has been there through absolutely all of it processing our 35+ claims in just a few days, sometimes even just a few hours! Healthy Paws has made it possible for me to get the very best care for Gizmo while saving $12,000!!! Words don't express how great this company is and the benefits of getting a policy as soon as you bring home your new baby. My monthly premiums have never gone up because of the claims, only a few dollars each year based on normal inflation.
Insurer: Healthy Paws
By: Beth
Quick like a bunny
We turned in a claim for regular medications for our Daphne and the claim was resolved in record time! Our doggy companion has a few chronic conditions that require expensive meds and we depend on Embrace to make it possible for her to get prompt healthcare that we can afford. Bravissimi!
Insurer: Embrace
By: Patricia
Horrible
Folks should pay close attention to what the company will pay per incident and compare that amount to monthly premiums. This isn't much of an issue when your pet is young and healthy. However, when your pet is older and premiums rise you will likely find that the amount you pay in premiums is much greater than the amount the company is willing to reimburse. For example, my dog is almost 13 years old and was recently diagnosed with congestive heart failure because of a heart murmur. My insurance is currently $95 per month and VPI is only willing to pay $294 total for this type of illness.
Insurer: Nationwide
By: Michelle