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Embrace is definitely the best insurance out there
I researched pet insurance after my dachshund passed away from a lengthy illness - for which I did not have insurance for. Every month her medical care varied from 800-2300. I was fortunate enough to have a job which enabled me to pay her bills. That said, when I adopted my next dog, the first thing I did was sit down and dedicate some serious time to research all of the Pet Insurance companies. I had it narrowed down to two - Embrace + Trupanion, but after doing detailed research (phone calls etc) I decided Embrace was far superior as far as coverage, price, varied plans and overall professsionalism + friendliness. The peace of mind knowing no matter where I am with my dog, that we are covered and the idea of knowing I can walk into an ER to have her examined and not sweat the bill is a huge relief. The reiumbursment time for claims has never been longer than two weeks, tops. I've now been with them for almost 4 years and have recommended them to anyone and everyone I come into contact with. My dog just had surgery to remove lumps on her head - and the process for filling out the forms is painless (By the way, most vets will do it for you - just email them the claim form and they will fill out the claim and fax/email to Embrace. Easy breezy. And as far as the number one question is pet insurance worth it? See my first paragraph.
Insurer: Embrace
By: Sweetheart
Excellent service, excellent coverage
I can't say enough about Healthy Paws. Their website is easy to follow, their claims process makes it easy to submit documentation -- the whole process is simple and efficient. They are so quick to notify you of receipt, to make a final determination, and to send back reimbursements. I am thrilled to have them on my side. Not only are they easy to use, they are quite caring and thoughtful. They personally reach out to inquire regarding the health of my dog when she is ill. I always feel like Healthy Paws is my partner, and one that is on our side. I have used other pet insurance carriers with previous animals -- though now I will only use Healthy Paws.
Insurer: Healthy Paws
By: Kristina
An insurance company that lives up to it's promise
As luck (bad luck!) would have it, in March of 2013 Madison was diagnosed with lymphoma. To make a long story somewhat shorter, by the time she died December 5, the medical bills exceeded $22,000. And of this amount, our insurance company paid all but about $2500. But it was not the fact that--how unbelievable!–here was an insurance company that actually paid; it was the spirit in which it paid. We would send in a claim form on, say, a Monday; we would receive our check for the 80% (less the office visit) by Thursday, and then it would be three weeks before the charge even hit our credit card. The payments came with personalized notes from the company telling us how glad they were to be able to help us affordably sustain Madison’s life. (By the way, that eight months of treatment gave Madison, up until the very last day, quality time; she was a happy dog and her brother Bill continued to play with her and enjoy her company). To top it all off, in the middle of Madison’s chemotherapy, I discovered online a new experimental hormone therapy that was very expensive but held out the prospect of, perhaps, many, many more months, or even years, of quality life. I contacted the company and asked if they would pay for it. They said, in effect, “let us think about it.” Two days later I got an email that advised me that the treatment had been approved. Those experimental treatments cost about $4500; we paid $900 of the cost. And while I will never know how much more time those treatment
Insurer: Healthy Paws
By: Steven
BUY A HEALTHY PAWS POLICY!!!!
Healthy Paws has gone above and beyond for our 4 year old Mastiff, Winston. When Winston tore his ACL and needed surgery, Healthy Paws was an absolute LIFE SAVER! They are always extremely nice and helpful on the phone, my claims (there have been many related to this injury) are ALWAYS processed within 24 hours (often less!) and I have received checks quickly for reimbursement. They have covered EVERYTHING related to this procedure with the exception of the vet fees, per their policy... They were even willing to reimburse us for a ramp for Winston to get into and out of the house easier! I CANNOT RECOMMEND THEM HIGHLY ENOUGH! As long as we have experiences like this, WE WILL BE HEALTHY PAWS CUSTOMERS FOR LIFE!!!
Insurer: Healthy Paws
By: Erin
Be careful with Teeth Claims
Beware... even though the policy specifically states,"Gingivitis and progressive periodontal disease caused by the accumulation of tartar is not a covered expense", if your pet has teeth issues NOT caused by tartar, but rather than by maloclusion, they are trying to get out of paying, refering the above exemption. My Vet is working on an appeal for me. I saw the claim that my vet submitted and it is clearly stated. They also referred to my dog's "tooth extractions". Now where on the claim was this meantioned. He still has all his teeth for now.
Insurer: Pets Best
By: Suzanne
cheap on repayment of well care
embrace ins is very cheap when comes to paying for wellness claims. Charges are high when purchased at vet's yet embrace only covers $200.00!
Insurer: Embrace
By: sharon
ACL surgery
My little girl had a tear in her left hind acl. Trupanion quickly accepted the claim. I was reimbursed all but my 10% copay within a week after her surgery. In all they covered $3300. Thank you Trupanion.
Insurer: Trupanion
By: Jason
ACL surgery
My little girl had a tear in her left hind acl. Trupanion quickly accepted the claim. I was reimbursed all but my 10% copay within a week after her surgery. In all they covered $3300. Thank you Trupanion.
Insurer: Trupanion Canada
By: Jason
Quick Claims
Embrace has been very helpful and quick with their claims. They even contacted my vet to help expedite the process. The only issue I do have is that I can never contact them via phone and reach a customer service rep. So far I had only had to file claims for the wellness program, but they are quick to file the claim and send out reimbursement.
Insurer: Embrace
By: Jennifer
Fantastic
I have had many pets over the year, and paid huge bill when something went wrong. When I got a new puppy in July, I took advantage of a month of Trupanion from my vet. Within two weeks the pup had worms, and Trupanion paid 90% without batting an eye. I was sold, and continied the coverage. I also insured my six year old cat. After New years, my dog became very ill. He require multiple x-rays and Ultra sounds. Trupanion paid quickly, and even called to see how he was doing. I'm a fan!
Insurer: Trupanion Canada
By: Patricia