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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
Highly recommend Embrace Insurance
We've never had insurance in the past for any pets, so we were not sure if we should get it nor what it covered. When USAA offered it, we decided we should get it to cover any unforeseen issues with our little guy. The first claims were seamless in that we just submitted everything, and Embrace would look everything over and contact the doctor if they needed anything else. The contact info on the website help us understand what is covered. I would highly recommend Embrace Pet Insurance to everyone!!
Insurer: Embrace
By: Lorrie W
Covers accidents and illnesses promptly…
Covers accidents and illnesses promptly and easy to submit claims. Does not cover pre-existing so not for all dogs. Peace of mind for dogs who tend to eat non- food items.
Insurer: Embrace
By: Anonymous
Very easy to work with
Very easy to work with
Insurer: Spot
By: Sarah Twiford
Making the claim was quick and easy and…
Making the claim was quick and easy and the timeliness of the check was prompt! However the amount received -$266-on a $697 claim was less than expected.
Insurer: Fetch
By: Pamela
Making the claim was quick and easy and…
Making the claim was quick and easy and the timeliness of the check was prompt! However the amount received -$266-on a $697 claim was less than expected.
Insurer: Fetch
By: Pamela