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just happy that my little puppy has…
I'm just happy that my little puppy has insurance.But I wonder how it really works.What does it pay for me to have insurance on my puppy.
Insurer: ASPCA
By: Victoria Whittlesey
good service
prompts response for claims and very quick reimbursements.
Rates are fair!
This company has fair rates and pays fair for the services received. They pay fast as well within a few days.
Insurer: Spot
By: Susan Desmond
Claimed settled very quickly
Claimed settled very quickly, very happy so far!
Insurer: Spot
By: Danuta Neikam
Metlife pet insurance is a joke!
They are nothing but con artists and liars. They take your money, promise refunds you'll never see, and deny your claim for obviously false reasons. My baby fell from a cat tree and they denied my injury claim stating I had no illness coverage at the time of the incident! Like um, hello, you just said your denying my INJURY claim because I don't have illness coverage? Well, probably cause it wasn't an illness, it was an INJURY! I've seriously considered taking legal action against them due to the fact I've sent numerous emails with no response. They are purposely ignoring me. Smells like a bad faith lawsuit in the works
I did not feel confortable as there…
I did not feel confortable as there were s many cavets to get a claim thru the system.
Insurer: Embrace
By: Michael Felmly
EASEY TO FILE CLAIMS AND PAY QUICKLY.
EASEY TO FILE CLAIMS AND PAY QUICKLY.
Insurer: Embrace
By: Janice O'Leary
Don't get insurance with this company
Don't get insurance with this company. I have had insurance with them for 3+ years. They have raised my rate every year without much justification. I kept paying it despite it getting expensive. I had accident only insurance, and this year my dog tore her acl (ccl in a dog) in her knee. A very common orthopedic injury to active dogs. I thought "oh good" at least I kept that insurance active. The surgery was $6,000 and I turned in my claim for reimbursement which I already had to pay out of pocket. I got surprised by this company because they turned around and called my dog's accident an "illness", and thus it didn't qualify under my accident insurance policy. Hmm, that was sly! They made no justification to me how they came to that decision, and every vet and person with any common sense would never call an orthopedic common knee injury that required surgery to fix the issue and "illness"! So I called customer service to inquiry about it and they just tried to read me all the stuff I already knew. I was handed off to the supervisor, who also could do nothing for me except offer that I could email their appeals department and maybe get the decision changed. But that only has ~50% turn-around. This company is a crook. They took my money for 3 years, never anywhere in their policy do they say they won't cover a common traumatic knee injury as an "accident". They define illness as anything that isn't an accident, and then get to make the decision without transparency as to what they define as an accident. Then I have no power to talk with anyone in a supervisory role to make a better judgement on it. Cannot talk with the person that made the decision, have to continue to do all the work to get them to do their part of our contract, and likely will have to get an attorney at this point for any hopes of getting them to payout a legitimate claim I put in. Just beware this could be your experience with them too!
Insurer: ASPCA
By: Jennifer Boisvert
We've had nothing but good experiences…
We've had nothing but good experiences with Embrace. Some of our claims are not reimbursed, but there is always a reason why (e.g., it could be reasonably linked to a pre-existing condition). Also, the PawSupport chat line has helped us a lot. This insurance, while expensive for an older cat like ours, has already paid for itself.
Insurer: Embrace
By: Veronica Cole
On line submission of claim was…quick and easy
On line submission of claim was painless and processed quickly.
Insurer: Embrace
By: Carolyn Carano