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From Very Satisfied to Greatly Disappointed
This is the first year we've had our 11-year-old dog, Honey, covered by pet insurance and we chose ASPCA Pet Insurance. We signed her up on the Level 3. She had some tests and surgical procedures during 2010 and we received reimbursement accordingly. I was recommending them to my co-workers, family and friends. Then came the kidney disease diagnosis at the end of November...I thought "no problem" I'll add the Continued Care Option to the policy. I was told that's not possible, now, because of her age. The company has reimbursed me on all claims, including the battery of tests that led to the kidney diagnosis, however,when the policy renews on January 1st, 2011 her condition becomes "pre-existing" and good luck finding any insurance that will cover it. Thanks ASPCA Pet Insurance! No more recommendations will come from me...
Insurer: ASPCA
By: Angela
Not happy with deductable increase
Trupanion has been good so far but I don't like the increase and now a deductable has been added. Not sure if it will be worth continuing. Can't see how a contract that was first started can be altered to this degree. Sure does not seem fair. Have always praised your company for taking care of my pet costs at an affordable price. This policy change should only effect new customers starting with Trupanion.
Insurer: Trupanion
By: Ingrid
Not happy with deductable increase
Trupanion has been good so far but I don't like the increase and now a deductable has been added. Not sure if it will be worth continuing. Can't see how a contract that was first started can be altered to this degree. Sure does not seem fair. Have always praised your company for taking care of my pet costs at an affordable price. This policy change should only effect new customers starting with Trupanion.
Insurer: Trupanion Canada
By: Ingrid
Very happy with my pet insurance
Our two cats are insured by ASPCA. Both had claims last year which were paid promptly. Renewal for 2011 was very easy and affordable. I recommend ASPCA pet insurance to all my pet parent friends.
Insurer: ASPCA
By: Maggie
I love the Wellness Account feature!
I have had Embrace Pet Insurance for only 4 months and since I had a healthy pet, I was mainly looking for a "health spending account" for my pet to cover vacinnations, spay and hernia surgery, and some preventive pet meds. So far I have been pleased and the reimbursements have been paid within 15 days. It is nice to know that you have the money for these preventive measures so that you pet stays healthy. The only negative is that the company wanted all of my pets records from the time I had bought her at 3 months and since she had not been sick and the breeder had already vacinated her, it was a little confusing but with a few phone calls from my vet, where she had her phyical,her health was verified.
Insurer: Embrace
By: Dorothy
Great except for continuning care maximum
Embrace does do exactly what they say and they have some of the best coverage around. Our 1 year old dog has elbow dysplasia and we have already been reimbursed for 2 sets of x-rays as the problem was being diagnosed. The first set was ordered by our regular vet and the second set by the specialty orthopedic vet and these fell in 2 separate coverage years. Today I dropped our dog off for arthroscopic surgery and possible osteoctomy that was pre-certified by Embrace (which was really fast, only a day or two). Our orthopedic specialist was surprised that they would cover this congenital disorder. The only draw back is that she started developing symptoms in our first coverage year and it took until the second to get a diagnosis because initial symptoms were consistent with a soft tissue injury. That means that this surgery falls under embrace's "continuing care maximum" of $2,500 instead of her over all $10,000 maximum which is a bummer for us because we didn't even have a chance to do much in her 1st year of coverage when the symptoms developed and her maximum would have afforded the 80% coverage. Now if the surgery is on the low end of the estimate, they will end up paying the 80%, but anything about that will be out of pocket. Many states don't have this continuing care max and we're hoping it'll be gone in our state (Alaska) for the next policy as embrace is trying to convert all states over. Once that change is made I would give embrace a 10. Reimbursements are p
Insurer: Embrace
By: Vanessa
It is worth it.
Lily was my first dog 1 1/2 years ago. A friend recommended that I get pet insurance for atleast the first few years because you never know what you are going to get with a puppy. I got the insurance and have been very happy ever since. It has paid off, claims are easy to submit, quick turnaround time, and great customer service. I would recommend ASPCA to others (especially with a puppy)
Insurer: ASPCA
By: Karen
Second wellness claim handled perfectly
This is the right company for customer-oriented pet insurance.
Insurer: Embrace
By: Sanjiv
Premium Increase
My premium has just increased from $50.82 to $75.04 (including HST). The email states: "With the cost of pet health care continuing to rise as veterinary medicine improves the quality, effectiveness and standard of care being offered for treatment, it is important for us to adjust our rates accordingly." It was under $50 when I signed up. This is the second increase, and my dog isn't even two yet!!! I am now looking for a new provider. On the good side, claims were always handled very quickly.
Insurer: Trupanion
By: Toronto
Premium Increase
My premium has just increased from $50.82 to $75.04 (including HST). The email states: "With the cost of pet health care continuing to rise as veterinary medicine improves the quality, effectiveness and standard of care being offered for treatment, it is important for us to adjust our rates accordingly." It was under $50 when I signed up. This is the second increase, and my dog isn't even two yet!!! I am now looking for a new provider. On the good side, claims were always handled very quickly.
Insurer: Trupanion Canada
By: Toronto