Terrible experience - Embrace goes to great lengths to delay and not pay claims
I have had Embrace insurance on three of my dogs for about a year and never had to make a claim. My dog scratched her eye while she was scratching her ear, and needed to go to the Vet. They did an eye stain, determined the scratch was minor, and prescribed some medicine to put on the eye for a week. In total the initial vet visit and follow-up was about $250. I filed a claim with Embrace and provided the required paperwork and invoice. My annual deductible is $200, so I figured a couple days to process it and I would get a check for $50 to cover the claim. Well it's been over a month now. Embrace provides ZERO communication on claims status. When I would call to check the claim, they state they need additional health history information from the Vet. Then nothing happens for another week until you call again. And then they say they need some other health history documentation from the vet. No one can explain how a simple minor scratched eye injury requires such extensive health history documentation, or what the documentation is needed for. It's not like a dog scratching itself is a pre-existing condition. In my opinion, Embrace is a SCAM. I would encourage you to skip the fake glowing reviews, and read the reviews from real people on here that have had to file a claim with Embrace.
- INSURER:
Embrace
- POSTED: 05/07/2021
- BY: Jon
- BREED: Mixed Breed Medium (20-70 Lbs)
- AGE OF PET: 7 - 10
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Really great and transparent coverage
We have been really grateful to have found and relied on Healthy Paws for over five years. Our rescue dog was ~ 8 when we got him, and Healthy Paws made getting the insurance for him easy. As he's aged and run into several severe health issues, some of which have required multiple vets to diagnosis, we have been able to proceed without issue because of the quality of coverage and the quickness for disbursement to us via direct deposit. It is incredibly easy to file a claim and staff have personally reached out to us (not just transactional emails). Their policies are clear about what is covered (no plan covers pre-existing conditions) and all communication is easy to understand.
- INSURER:
Healthy Paws
- POSTED: 05/07/2021
- BY: Hanna
- BREED: American Cocker Spaniel
- AGE OF PET: Over 11 years
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Horrible Customer Service
I was thinking about going with Pets Best, but after being on hold for 40 minutes, and then another wait where I got sent to voicemail, I decided against it.
- INSURER:
Pets Best
- POSTED: 05/07/2021
- BY: Jade
- BREED: Shih Tzu
- AGE OF PET: 0 - 3
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Claim payment
I do not feel that you are paying correctly. SM has a seizure symptom and you are not paying for the Keppra until it reaches a deductible by itself which is not correct since it is part of the SM condition.
- INSURER:
Trupanion
- POSTED: 05/07/2021
- BY:
- BREED:
- AGE OF PET: 7 - 10
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Owen was amazing an excellent listener and clear in communicating what I needed to do.
Owen was amazing, an excellent listener, and clear in communicating what I needed to do.
- INSURER:
Trupanion
- POSTED: 05/07/2021
- BY:
- BREED: Mixed breed
- AGE OF PET: Over 11 years
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Very easy claim and fast response
It was super easy. I called the vet and they submitted the claim. It took less than 24 hrs for a response
- INSURER:
Trupanion
- POSTED: 05/07/2021
- BY:
- BREED:
- AGE OF PET: 7 - 10
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I love Trupanion!
Dealing with Trupanion is always a great experience!! My dog would not be alive if I didn't have Trupanion. They have been a lifesaver.
- INSURER:
Trupanion
- POSTED: 05/07/2021
- BY:
- BREED:
- AGE OF PET: 7 - 10
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I GOT THE ANSWERS NEEDED THOUGH THE PRICING IS A BIT HIGH.
I GOT THE ANSWERS NEEDED THOUGH THE PRICING IS A BIT HIGH.
- INSURER:
Trupanion
- POSTED: 05/07/2021
- BY:
- BREED:
- AGE OF PET: 0 - 3
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Lab parents
Always fast and efficient!
- INSURER:
Trupanion
- POSTED: 05/07/2021
- BY:
- BREED:
- AGE OF PET: 7 - 10
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