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More than fair in the appeal process.
My dog had surgery for a ruptured disc prior to obtaining insurance. After spending long hours at the Specialty Emergency Hospital with our dog & seeing all the accident & illness coming through the door we decided to get insurance for her & called Trupanion since that seemed to be the company used there. Since she had one ruptured disc we wondered if another would be covered & ask that question & discussed it with a representative on a couple different recorded calls. We were told that if it was a different disc than the one that previously ruptured it would be covered. Well unfortunately our dog did have another ruptured disc(different one)! The claim was denied because it was considered to be an illness that existed prior to coverage. We resubmitted it with a statement from the surgeon that it was a different disc. Again it was denied. We appealed based on what we were told on the recorded phone calls. During the appeal process they listened to the recorded phone calls & agreed that although it was a condition that existed prior per there policy, they would pay the claim since we were told otherwise by their representative on the phone. We received a check a week later. I would have to say that they were more than fair about that since the policy itself using other examples could indicate otherwise which is why we ask. Even though I know that they won't cover any further disc ruptures, I do still have the insurance because I do feel confident that they will pay if other health problems arise.
Insurer: Trupanion
By: Janet
Great customer service/easy to use
Embrace has been so easy to use with the claims portal and direct deposit reimbursements. They are always friendly and helpful when you call.
Insurer: Embrace
By: Cupcake's
Go elsewhere
Ugh. Our experience was frustrating. Maybe if you have a pet with zero preexisting problems...? They would look for any reason deny claims - saying it was related to preexisting condition - despite what our vet would say. Good luck appealing anything. I found that any attempts talking customer service - you would just find yourself being talked to in circles. (Even when cancelling our coverage... What a frustrating experience!) They increase their premiums without notice. And by large amounts. Which adds up each month - especially with two dogs. I would strongly recommend looking elsewhere (or putting that money into a separate account each month... Into your own pockets instead of theirs). If we did insurance with pets in our future - it wouldn't be with trupanion.
Insurer: Trupanion Canada
By: Jane
Go elsewhere
Ugh. Our experience was frustrating. Maybe if you have a pet with zero preexisting problems...? They would look for any reason deny claims - saying it was related to preexisting condition - despite what our vet would say. Good luck appealing anything. I found that any attempts talking customer service - you would just find yourself being talked to in circles. (Even when cancelling our coverage... What a frustrating experience!) They increase their premiums without notice. And by large amounts. Which adds up each month - especially with two dogs. I would strongly recommend looking elsewhere (or putting that money into a separate account each month... Into your own pockets instead of theirs). If we did insurance with pets in our future - it wouldn't be with trupanion.
Insurer: Trupanion
By: Jane
Expensive but worth it
I have really NEVER had an issue getting reimbursement from Embrace. Yes, the coverage is expensive, but you're basically rebated a significant amount of your premium dollars with each vet visit -- annual wellness and/or dental cleanings. And it's great to know if you ever REALLY need insurance for a very expensive or life saving procedure, it's there.
Insurer: Embrace
By: Matt
An example for all insurance companies
If all insurance companies were this efficient wouldn't the world be a wonderful place. I cannot express enough how pleased my wife and I have been with the professionalism, courtesy and rapid response of Trupanion. Every claim has been processed promptly, never more than a couple of days. If you don't insure with Trupanion, you made a mistake.
Insurer: Trupanion
By: Mark
Claims are handled quickly and fairly.
Since my yorkie was diagnosed with a kidney disorder my doctor bills are often and expensive. I thank God I have Trupanion insurance. They process the claims quickly and fairly. Thank you. Martha Soto
Insurer: Trupanion Canada
By: Martha
Claims are handled quickly and fairly.
Since my yorkie was diagnosed with a kidney disorder my doctor bills are often and expensive. I thank God I have Trupanion insurance. They process the claims quickly and fairly. Thank you. Martha Soto
Insurer: Trupanion
By: Martha
Customer Service is quick and tech friendly
I've used Embrace for a year now and I'm very pleased with the service they provide. I recommend pet insurance if you don't have any and I highly recommend Embrace as your choice.
Insurer: Embrace
By: Garrett
Very happy with this provider
My dog was taken to the emergency clinic and racked up an impressive $3K bill due to all the tests, meds and hospitalization stay. We have the emergency insurance option and my claim was processed within 6 business days. I got back the full 80% I was owed in my policy and the money was in my account the next day. I am so relieved I had this insurance or else we'd be in a tough spot
Insurer: Pets Best
By: Lindsey