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Pre exsisting excuse
This is my first and last time using a pet policy insurance scam. I'd rather save the money for the vet since I'm going to have to pay anyway. In May I decided to obtai a policy because I had heard from others that it was a good thing. So I searched online and decided to go with Embrace. I have a rescue dog I had gotten in August so I knew that his hear condition would fall under preexistimg, however, to my surprise that after waiting a month for a $628 claim on removal of a cancerous tumor on my dogs cheek I was denied. I had to follow up numerous times due to insufficient vet reports though this was all submitted for approval of the policy in the 14 day grace period. It seems that a growth on the foot the initial vet and my current vet have dismissed as an overgrowth due to an infection from lousy care of the previous owners could be related to and therefore a preexistimg condition of the current tumor on the side of his cheek! Really?! Embrace says the vet report does not give them enough information as to whether or not the foot growth is cancerous. Hmm don't you think if it was they would have told me we would need a test to find out if cancerous instead of put a boot on it so it does scape and get a rug burn! Embrace said I could go through their appeal process and I told them they could have called the vet if they were uncertain if the two were related due to the reports. Obviously they read and determine a vets report based on if they want to pay or not pay. The p
Insurer: Embrace
By: Andy
Always Great Service. Always!
I have submitted multiple Embrace pre-certifications, claims, and wellness reimbursements, and every time I receive thorough and quick communication and know that if I email or call with a question, it is answered well and quickly. The process has been very satisfying, especially when dealing with unexpected and upsetting illness of a loved family pet. Claims are processed very quickly, even when my vet has faxed the papers directly. Thank you!
Insurer: Embrace
By: Andrea
Embrace has been a lifesaver for my two pets.
Having Embrace pet insurance has changed the quality of life for me and my two adorable canines (Tiger and Vanilla). Because Embrace is so reliable about working with me, I do not hesitate to give my two pets the medical and wellness care that they need. It is so reassuring that I can have their health attended to in the same way I can address my own. Thank you Embrace staff for your courtesy and caring. Respectfully, Dr. Connie Portero
Insurer: Embrace
By: Dr.
Best Pet insurance company in United States
Quick Claim Service! Got a claim into my account in 24 hours. They all care about your pets and you as a part of a family. It isn't about the money to Embrace its about caring for animals. I would strongly recommend them to anyone who owns a pet. Cover them with Embrace and you can put your mind at ease. I lost one bet after a lot of money spent and didn't have good insurance. Now with Cloudy my cat I rest easy knowing she is covered by Embrace.
Insurer: Embrace
By: David
Awesome
I put my wellness claims in for both dogs and I was reimbursed to the penny. I am glad that I signed up for their insurance plan and wellness plan.
Insurer: Embrace
By: Reene
No hassle process of the claim
I've been joining Trupanion for 2 years now. I've had submitted claim forms to Trupanion for 2-3 times. They processed the claims pretty fast without any hassles. Normally it takes a few days for them to completing the claim and they will send the check to me within a week.
Insurer: Trupanion
By: Goddess
No hassle process of the claim
I've been joining Trupanion for 2 years now. I've had submitted claim forms to Trupanion for 2-3 times. They processed the claims pretty fast without any hassles. Normally it takes a few days for them to completing the claim and they will send the check to me within a week.
Insurer: Trupanion Canada
By: Goddess
best insurance ive had
i have had several pet insurance plans over many years with my samoyeds and i have to say that this company by far is the BEST!!! i dont always agree with their processing of my claims (some of them they said have been pre existing) but for the most part they have come thru and that is why i am still giving them a 10 rating. Many of the other insurance companies have been more trouble than they have been worth. i have a 7 month old puppy that has had eye ulcers and now allergies and they have come through for her.
Insurer: Pets Best
By: sharlene
DO NOT TURST EMBRACE
HORRIBLE! My dog just turned two.. He has a clean slate, no pre-existing conditions.. I even had the waiting period waived because my vet did an entire check for any and all chronic conditions which she did not find any signs of anything wrong. She filled out the paperwork and submitted it to Embrace. Embrace even emailed me with the "great news" stating that Bleu (my dog) is free of ay pre-existing conditions... blah blah. I was so happy. Well, it has been two months and I noticed a little red pimple looking bump growing out of his skin. Immediately, I took him to the vet and she removed it, she also mentioned that I did not even have to remove it because it was a harmless skin tag. She did a biopsy on it anyways and it came out completely clean & free of all serious possibilities. I then submitted my claim to Embrace...GUESS WHAT.. please read there email below: "Hello Amanda, I have reviewed Bleu Pruett's claim along with your pet insurance policy and based upon that review, I am sorry to inform you that this claim is not covered under your policy. The medical records note the mass on the foot and dermatitis prior to the policy start making masses and dermatological conditions pre-existing conditions. Dermatological conditions may be covered in the future once Bleu Pruett has been free of signs, symptoms, and treatmens for 12 months....." I then called them complaining and asking tons of questions. I also called my vet to confirm how off this information was.
Insurer: Embrace
By: Amanda