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Not honoring my contract
Since day 1 Petsecure has done everything they could to avoid paying me a penny. Since I my dog, I've had to pay over $3000 worth of pet bills as she was a rescue and not in the greatest shape. Her only problem was that she has a really bad immune system which caused her to pretty much catch anything around her. When I signed up wit Petsecure I was very clear and honest by telling them that she has previously suffered from Coccidiam which I fully understood should be excluded until further review. This parasite caused her to have flaky skin and a reduced immune system. When 3 months later she caught a skin parasite, the insurance refused to cover it although I had a letter from my vet stating that this condition had been tested negative in the past and was only recent. Their excuse: there were previous symptoms of that disease..... Lie, there clearly was not. A month later, she got Giardia, now that was denied too because supposedly, she had an exclusion for "internal parasite". Now that's when I lost it and decide it was time to cancel my policy! I had received a letter from Petsecure in the passed stating that the "internal parasite was only concerning the Coccidian". So although the I actually had proof, it was written in my contract, in ink that she was only excluded for Coccidian they still wouldn't hear it. These people are crooks, they don't deliver the service that you pay for and they act as if they could simply decide wether to cover things or not without actually playing by the rules and by the contract. I am not debating whether to get my lawyer involved as there is more than $1000 worth of fee that should've been covered so far. Anyhow, bottom line is, I strongly, strongly suggest you go look somewhere else when chosing an insurance!
Insurer: Petsecure
By: Roxane
Trupanion Excellent
Excellent coverage...Very quick response time and payment.
Insurer: Trupanion Canada
By: Jeff
Trupanion Excellent
Excellent coverage...Very quick response time and payment.
Insurer: Trupanion
By: Jeff
Continue to be thrilled
With two rescue dogs and a cat there always seems to be a need for a trip to the vet - tooth removal, foxtails inside the skin, cataract surgery, cactus thorn in the throat. Without fail, Embrace responds quickly and is always helpful. It makes it easier to deal with all those little emergencies - and the big ones. The latest two visits meant more tooth removals and surgery. Took a weight off our shoulders knowing our boys could be cared for without going in the hole.
Insurer: Embrace
By: Gretchen
Best investment I ever made
I worry about Copper getting sick or injured but not about vet bills since I have ASPCA Pet Insurance and I already recommend your insurance to every one I know who has pets Thank You Pat
Insurer: ASPCA
By: Patricia
Great plan
This was about the third major claim we have made for one of my two labradoodles in the almost ten years we have had them. The response from Embrace was incredibly fast. When we do the math, we've more than gotten out what we've put in to premiums!
Insurer: Embrace
By: Kate
better than my health insurance
My papillon mix has been insured through Embrace since I brought her home five years ago. Over the years we've had minimal need to file claims though the few that I had were always quickly taken care of. Last year my pup had her first seizure; this year she had another. The emergency visit to the vet was costly, and so were the follow-up tests to try to diagnose the cause of her seizures. They covered exactly what the policy agreement said they would cover, without the back and forth fighting that one usually experiences when dealing with insurance companies. The claims were quickly processed and the check was sent promptly. When you're stressing out about your baby's health, the last thing you want to do is waste time bickering with the insurance company. Thank you Embrace for being an honest insurance company. I would (and do) recommend them to all of my friends that have companion animals at home.
Insurer: Embrace
By: vivian
My dogs passing
Every one was very kind and helpful. I am grateful in this sad time.
Insurer: Pets Best
By: Marilyn
My dogs passing
Every one was very kind and helpful. I am grateful in this sad time.
Insurer: Pets Best
By: Marilyn
So far, So Good!
I adopted a dog 7 months ago, and bought insurance for the first time. So far I have been very pleased with Embrace. I send in my claims through my vet, and they have always paid some portion on each claim. If I added up my premiums, and then looked at what they have reimbursed, at this point I could have probably banked the premiums myself, and come out put them towards my vet bills. BUT that is not what insurance is about. Insurance is that peace of mind that if something goes really wrong, you won't have to make a decision about your pet's life based on your finances because Embrace will be there to help you. My minor claims so far have been handled fairly and promptly by Embrace, and with gracious customer service when I have had questions.
Insurer: Embrace
By: Robin