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All pain, no gain
The coverage is expensive, but I don't get much out of it. Last year, it would have been cheaper to just pay my (expensive, excellent vet) and skip the insurance. In part, because Embrace avoids paying out anything, it hassles both the paying customer and the veterinarians office, and I ended up paying for both the insurance AND the vet bills. I've never seen anything except "longer than average wait times" for customer service. It's like they think a US-based service won't have more customers try to call during the day, during their operating hours, and average the wait times for all 24 hours. For example, for each claim they expect the veterinarian to send the complete medical records of the dog. If you RECENTLY adopt a PUPPY and there isn't enough of a medical record, they'll call the medical record a summary and put the claim on hold indefinitely. It's a two month old puppy in for his second vet visit, this time because he's sick. How long do they think the record will be? I have never received a check from Embrace, though they claim they sent one for other services. A check that was $250 on an over $1700 claim, I might add. If you like paying double for the same amount of healthcare for your pet, this is the insurance for you. It's like paying someone so that you can do extra paperwork without any benefit. Oh, and it auto-renews and does not allow you to opt out of auto-renew. With most services, I like auto-renew, but I want to drop this "service" so much. My veterinary clinic works with other insurance firms the way human hospitals work with insurance firms. This is not the case with Embrace. I'm not saying that this is because Embrace is difficult to work with and doesn't pay out. I'm just saying that I've found Embrace difficult to work with, and it doesn't pay out and wouldn't be surprised if vet offices don't want to work with them because of this. The second star is only because they have a nice-looking website. I'm definitely getting scammed by Embrace and will drop them as soon as I figure out how. A feat that is proving to be challenging.
Insurer: Embrace
By: Mandy MacDonald
This is a terrible insurance
This is a terrible insurance. Don't bother. Constant requests for more information from the vet, just so they can deny your claim. I had preventative coverage for my dog, and they requested 2 years worth of vet records to reimburse for a vaccine. You don't need 2 years of records to do this reimbursement. If you like to jump through constant hoops, and get denials, this is the insurance for you. Also, canceling the insurance is a nightmare. There is no way to do it online. They make you call them to cancel. Terrible business practice.
Insurer: Spot
By: Urszula
AWFUL SERVICE..
AWFUL SERVICE... GOT DENIED ON MY MILOS CLAIM. FIRST TIME USING MY PETS INSURANCE..BECAUSE OF THE WORDING ON HIS INVOICE.EVEN THO IT STATES PAYED IN FULL..
Insurer: ASPCA
By: Lulu Duran
I’ve had Pets Best for a couple of…
I’ve had Pets Best for a couple of years now. Unfortunately I’ve had to use them a couple of times for various illness and injuries. They have always been easy to work with, very prompt and have always accepted my claims.
Insurer: Pets Best
By: Sheri
Claims processed in a timely manner
The claim process is easy and straightforward. My claim was reviewed and approved in a timely manner; and the check was mailed within a week. Additionally, when I phoned to cancel my policy because my dog had to be euthanized, the customer service agent offered her condolences and refunded my most recent monthly premium. I highly recommend Fetch pet insurance.
Insurer: Fetch
By: Joni
Saved my wallet and my fur babies!
Great coverage, easy easy process to make a claim, and has saved my fur babies and my wallet multiple times
Insurer: Fetch
By: Emily Jones
PetsBest Is NOT There When You Need Them
I recently submitted my first large accident/emergency vet visit claim to PetsBest. I have been a customer with them since 2022. The incident with my pet happened in the days leading up to Christmas, and emotions were high. One of the only things keeping me calm throughout the harrowing (and expensive) ordeal, was the thought that the claim I would be filing was surely going to be reimbursed. To my utter dismay, my claim was fully denied. Upon further investigation, the underwriting company incorrectly categorized my pet's "condition" and subsequently associated it with what they deem to be a "pre-existing condition". This is lazy and unacceptable on PetsBest's part. I now have to spend my time gathering "evidence" for an appeal. To add insult to injury, they're raising my yearly premium. Not sure why I bother paying for pet insurance when I can't count on my claims to be covered. Their customer service is mediocre at best, as well.
Insurer: Pets Best
By: Customer
Claim process is easy and refunds are timely. Plans are customizable to fit you budget
Claim process is easy and refunds are completed in a reasonable amount of time. I've been with Pets Best for 3 years. We have 6 year old female Doberman who has had some health issues and they have never denied a claim including Holtor Monitoring, MRI’s, Spinal Taps, Gastrointestinal and Orthopedic Surgeries. Plans are customizable to fit every budget! I highly recommend Pets Best!
Insurer: Pets Best
By: Mark
Great service
Very friendly and answered all my questions. Would definitely recommend.
Insurer: Prudent Pet
By: Ryan P
Unexpected surgery
This was my first time using any pet insurance. My 1 yr old pup had an obstruction from something she ate and after 1 1/2 days in ICU and ended up needing surgery. After 3 1/2 days the cost was up there ! Embrace told me the first claim would end up closing appropriately 30 days after claim submitted due to the collecting of the pups medical records. They walked me through everything. Kept me updated as time passed. They were true to their word ! Approximately 3 weeks after claim submitted they direct deposited the amount promised !! I was so relieved. As a result, my daughter is contemplating getting Embrace for her dog as well !! I am 100% satisfied with this company. If you’re on the fence about getting Embrace as I was, wait no longer. Do it. They have many different levels to meet your budget. You can get as much or as minimal as you desire. Do it !!
Insurer: Embrace
By: Lynne Giey