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Embrace waited 6 months to do a medical…
Embrace waited 6 months to do a medical review. I was well past the waiting period & claim was denied. Now I’m having hard time reaching anyone on getting a refund for that pets premium.
Insurer: Embrace
By: Trey Cadle
10/10 Would Recommend
I have had two policies and I will have more in the future. I've had nothing but good experiences, both with claim payment and interactions with representatives. Filing claims is easy, they get paid promptly, but that alone isn't what has sold me on having these policies now and in the future. The difference is that the people you interact with genuinely care. You can tell. When I lost my dog to cancer, I got an e-mail condolence (and they cancelled my auto pay for me), but I got a hand-written card from someone I had spoken to one time, months before, about some bank issue I had. So getting the next policy was a no-brainer, and I have shared this information with everyone who asks me. I work in vet med, and I have a background with insurance. I can tell who cares and who doesn't. Everyone I've interacted with has been amazing, and that is hard to find. So it's a quality product and they are quality people.
Insurer: ASPCA
By: Julia Libert
Stay away from MetLife dog insurance
We first signed up with MetLife on December 29, 2022, for a pet insurance policy with 100% coverage and a $200 annual deductible. The monthly premium was quoted at $65.36. Our dog, a Great Dane mix, had just turned one on October 31, 2022, and had no pre-existing conditions at the time. When it came time to renew the policy on December 29, 2023, the coverage remained the same, but the premium increased to $90.30/month — a 38% hike. When I reached out to MetLife, I was told the increase was due to rising veterinary costs in our area. We accepted the new rate and moved on. However, on November 23, 2024, I received an email stating our policy would renew again on December 29, 2024 — this time with a new premium of $182.20/month. That’s a 100.17% increase from the $90.30/month we were paying just one year ago! I called MetLife on November 24, 2024, to ask about the drastic rate hike. I spoke to two representatives. The first couldn’t explain which factor contributed to the 100.17% increase, while the second claimed the hike was due to our dog’s age — he turned 3 years old on October 31, 2024. They also mentioned that location and breed could affect rates, but neither could provide specific details on how these factors applied to our situation. In the end, the decision is yours, but based on these facts, I would not recommend MetLife dog insurance to anyone!
Insurer: MetLife
By: Mira
My claims get processed pretty quickly
My claims get processed pretty quickly. I do wish food and supplements that a veterinarian had prescribed were covered though.
Insurer: Pets Best
By: Sarah
Embrace Review
Well, this is complicated. I had both my dogs with Trupanion for several years and only filed one broken tooth claim. They do not cover as much as Embrace so I switched insurance companies and added my 6 cats, so I have policies on all 8 pets. I have had to make claims now on a couple of pets and the process is long, especially the 1st claim as they do a deep dive into history looking for any evidence of pre-existing conditions. Any little mention gets flagged (like pink tinged fur on a foot excludes any dermatological condition for 12 months) Samson broke out is bad hives from a supplement given to him, it was not covered because of that pink-tinged fur possibly being dermatitis. (it wasn't, or I would have had him looked at for it) But overall, after a couple of claims under my belt, Embrace seems to be as good as any? They do cover more, so there's that.
Insurer: Embrace
By: MRS DEBBY ICIDE
Embrace eats and leaves no crumbs
Embrace’s policies are easy to understand and they don’t try to wriggle out of a claim. My most recent claim was processed and deposited in my account in under 7 days. Couldn’t be more pleased.
Insurer: Embrace
By: Angela
Extremely easy to submit a claim
Extremely easy to submit a claim
Insurer: Embrace
By: Suzanne Pichler
Easy experience
Found out my fur baby girl had a mast cell tumor. Had to have it removed and starr seeing an oncologist. Uploaded my invoices and was reimbursed within a week or so. Very easy experience!
Insurer: Embrace
By: Michelle Turchi
I am pleased with the completion of 4…
I am pleased with the completion of 4 of my claims. There is still one outstanding that I have sent everything's about that claim to you. Copper came to me as a tiny 8 week old puppy. He has never had any medical issues until this year which you have received the total information. Margaret Mauldin.
Insurer: Spot
By: Margaret Mauldin
Trupanion is happy to take your money, but quick to deny claims
I have had Trupanion for my 3 dogs for 4 years, 4 years for my first dog & 1-2 years for my 2 newest dogs. I have paid roughly $130 a month for the last 4 years. So roughly $6000 paid into the plan so far, and I’ve never had to use it. My dog River ended up getting heartworm which was discovered about 6 months after I got her and they believe it’s because when I rescued her off the side of the highway that she had just got infected with it and it was too early to show up in her first few tests. I have given her heartworm treatment every single month since I got her. Well a few nights ago apparently one of the heartworms flipped and caused a blockage and almost killed her. I had to rush her to the ER and she stayed overnight on oxygen costing me close to $1k. I thought “man I’m glad I’ve been paying into health insurance all these years, I can finally use it”. So I submit my claim only to get denied because they say it’s preventable. Even though they can clearly see I buy it from my vet every month, since before she had it, so they know there was no way for me to prevent it from happening, and even though they’ve happily taken $6000 of my money, they won’t reimburse the just under $1000, which after my $250 deductible and 10% I pay, would’ve been more like them reimbursing me $650. They’re great when you’re on the phone with them selling you the insurance making you feel like you won’t have to ever worry about anything, until something actually happens. I even talked to them after the ER visit about how to go about submitting the claim because I had never done it before, and I clearly told them it was due to her heartworm issue, and they never once mentioned or said “we don’t cover heartworm issues”. That would’ve been nice to know ahead of time. You’re better to just open a dedicated savings account and putting the money you were going to pay into the insurance plan into a savings plan to use for your dogs. Either that or go with one of the other pet insurance companies that do cover heartworm because there are plenty that do. Would’ve been nice to know ahead of time. Seriously considering canceling my plan. What’s the point of paying them thousands of dollars when they leave you high and dry when you finally need to use it.
Insurer: Trupanion
By: Shane