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Doesn't take much to become a 'risk'
We've had Petsecure insurance for a year and submitted claims for two emergency surgeries (foreign object ingestion) and a skin condition that has actually now started to clear up. Our Great Dane is now over a year old and things seem to be settling out in a sense. However, upon the semi-annual 'risk review', we were thrown into the high risk group and were dropped from 80% coverage to 50%. In their letters to customers, Petsecure likes to promote their showcase examples of 'top claim' high payouts, but those are all single case scenarios. The company is very good at quick claim processing and will rapidly approve and pay initial or periodic claims; we were initially very happy with Petsecure. Rest assured if you submit more than a couple of claims, you too will quickly become a risk to their profits...and their shareholders. We are now disappointed in Petsecure, and are shopping around for a different company that won't penalize their customers for accessing benefits.
Insurer: Petsecure
By: Steve
Only useful for accidents
Even though I have had continuous coverage for my cat for about 8 years, I found out today for the first time that a disease that manifested during the insurance company's last billing cycle is treated as a pre-existing condition in this cycle, and is not eligible for coverage. So, especially for an indoor cat, the insurance is no longer meaningful once you might actually need it. Petshealth could have warned me of this when I renewed last time, but apparently, my premium was too attractive to them. I'm disgusted.
Insurer: ASPCA
By: Andrea
Worth the coverage for peace of mind
I have several cats and dogs as I do rescue work. I cannot afford to insure all my pets but have opted to cover my 4 dogs (3) Corgis and (1) Dachshund. The coverage has helped as a few of my dogs have had chronic issues (Lypomas, allergic dermatitis) and other minor issues but did incur alot of vet bills. Often times the entire payment of the bill is not paid as *within reasonable costs is cited, but I guess there has to be an "average" for the medical coverage as some vets tend to be more costly than others. Overall, I am satisfied. Time will tell as my dogs age and possibly get more health issues.
Insurer: ASPCA
By: Tammy
beliver
I have had pet insurance for many years on four dogs the first two i had vpi insurance and was very unhappy with them they always had an excuse for not covering. Then i got the other two dogs and decided to get petsbest and changed my to older dogs over. Well recently my older boxer got very ill with a left cerebellar mass on her brain it was going to cost thousands. of coarse we went through it and paid 12000.00 in bills i sent in the info to the insurance thinking all probly want get anything. Into my surprise they sent me my max of 7000.00 i was soooo happy it was the best news ever.Now i am im truly a believer there was no hasseling nothing it was so smooth for that i am thankful.I can rest better knowing that my dogs will be coverded thank you petsbest.
Insurer: Pets Best
By: kristi
Incredibly Upset
Similar to other posters I received a letter yesterday notifying me that my co-insurance would be bumped to 70% because I have made too many claims in the last little while. Correct me if I'm wrong but I believe Pet secure prides themselves on their "Secure for Life Guarantee" which states "we promise to our customers that their pet will never run out of coverage and that their pet's premiums won't rise. we also guarantee that as long as you remain a petsecure member you can continue to maintain your pet's existing coverage year after year after year," According to this my coverage should stay at 80% should it not? I got pet insurance to protect myself and my dog in the event of unforeseen emergencies. Now that I have had to make use of it I am being penalized.
Insurer: Petsecure
By: katie
AWESOME !
After having VPI pet insurance for our two 12 & 14 lbs. chihuahuas, it only took one year for us to reseach other pet insurances before selecting Embrace. We could not be happier. While pre-existing is tricking coverage, Embrace does cover preexisting after first year and Embrace pays based on your bill not pre determined fee schedule. You can select your own plan, and Embrace pays so quickly. We just love Embrace and also love the new well care coverage.Our little girls are like our kids now that our 3 daughers are adults. Having this coverage means alot to our piece of mind having small dogs. Regards, Carol & Bob, and Maggie & Mango
Insurer: Embrace
By: Carol
Fantastic service!
Embrace is a terrific organization...the customer service folks are courteous and helpful, and the claims process is as easy as can be. They really helped me out when my poor pug Pixie got diagnosed with hip dysplasia...ended up getting over 50% of the money I spent on an office visit and x-rays (would've been more, but I had to meet the $200 deductible and 10% co-pay). Spent $670 on the office visit, got $345 back. Can't complain at all. I wouldn't hesitate to recommend Embrace!
Insurer: Embrace
By: George
THANKFUL to HAVE
We have a collie that required various tests. She was stumbling, falling, walking like she was drunk or walking into things. It needed to be determined if she had a vision or a neurological problem. The AKC PetPartners Insurance paid for the Eye Specialist and that indicated we needed to have neurological consultation. That consult required an MRI as well as a Spinal Tap. The claim was over $2,000. I submitted to the insurance company and they paid the claim at my policy level (80%). AKC PetPartners offers multiple plans for you to choose from. I am very thankful to have this insurance for my dogs. Additionally I do need to say I noticed some reviews indicating problems downloading the claim forms, I have never encountered any problem downloading the claim forms. I have had this insurance for years and thankful that I do.
Insurer: AKC
By: DJ
Honoring their word
This is our first experience with pet insurance. It has been reliable and certainly worth the cost. I've been very pleased so far and as a healthcare provider who deals with disturbing health insurance behavior, this is a shining star.
Insurer: Embrace
By: Dr.
Great Customer Service, Speedy Claim Process
I decided to purchase Pet's Best pet insurance when I got my goldendoodle puppy about two and a half years ago. It has paid off several times over! I love Pet's Best because my monthly payment is extremely low and since I have been a customer, I have experienced nothing but the best service. The website very easy to use and filing a claim could not be more simple. In the two and a half years that I have insured my puppy with Pet's Best, I have filed three claims. For each claim, I received payment within 7 days of when the claim was filed. I would recommend calling Pet's Best customer service and talking to them about their options. I did this after researching pet insurance thoroughly and it was the customer service that won me over. I am very thankful I chose Pet's Best!
Insurer: Pets Best
By: Jennifer