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Embrace Pet Insurance is a Scam
Embrace Pet Insurance is a Scam - Beware of Their False Denials and Deceptive Practices I am beyond frustrated and furious with Embrace Pet Insurance, which I now consider nothing more than a scam. My pet's breed is highly susceptible to anal gland issues, which causes severe discomfort. When their anal glands become full, my pet starts licking and scooting, clearly in distress. This is not some “preventative” or “wellness” issue - it is a medical necessity. The vet's note was crystal clear: the glands needed to be extracted due to them being full, not because of some routine checkup. However, when I submitted the claim for this required treatment, Embrace had the audacity to deny reimbursement and categorize it under their “wellness” plan, which they claim isn’t covered. This is NOT a wellness issue - this is a treatment for an ongoing medical condition that my pet needs to have addressed for their comfort and health. This is straight-up stealing. They have no problem taking your premiums, but when it comes time to provide the coverage they’re supposed to, they find ways to wrongfully deny claims and push you into paying out of pocket for something that is not your fault. The fact that they classified an emergency medical procedure as preventative care is unethical and deceitful. I would highly recommend avoiding Embrace Pet Insurance if you care about your pet's health and want to be treated fairly. They’ll gladly take your money, but when your pet needs care, they'll find ways to deny it. It's a scam - pure and simple. Stay away and find a more honest company that actually stands behind their coverage. And now they will follow up with an illogical response to this review, consisting of an incorrect reasoning by fraud scammers who want to steal people’s money. Wellness plan is for preventative care ONLY. In my pet’s case, her anal glands were ALREADY full as per the doctor’s notes. Hence, the treatment should have been covered by her existing plan and NOT WELLNESS PLAN. This is what the insurance policy providers have been doing to deny eligible claims and STEAL PEOPLE’S MONEY- just providing illogical and baseless reasoning and not addressing the real issue. Hence strict action should be taken against them, their ridiculous response and unwarranted justifications should be FLAGGED, and people should be made aware of their unlawful practices.
Insurer: Embrace
By: Soumi Biswas
Embrace Pet Insurance is a Scam
Embrace Pet Insurance is a Scam - Beware of Their False Denials and Deceptive Practices I am beyond frustrated and furious with Embrace Pet Insurance, which I now consider nothing more than a scam. My pet's breed is highly susceptible to anal gland issues, which causes severe discomfort. When their anal glands become full, my pet starts licking and scooting, clearly in distress. This is not some “preventative” or “wellness” issue - it is a medical necessity. The vet's note was crystal clear: the glands needed to be extracted due to them being full, not because of some routine checkup. However, when I submitted the claim for this required treatment, Embrace had the audacity to deny reimbursement and categorize it under their “wellness” plan, which they claim isn’t covered. This is NOT a wellness issue - this is a treatment for an ongoing medical condition that my pet needs to have addressed for their comfort and health. This is straight-up stealing. They have no problem taking your premiums, but when it comes time to provide the coverage they’re supposed to, they find ways to wrongfully deny claims and push you into paying out of pocket for something that is not your fault. The fact that they classified an emergency medical procedure as preventative care is unethical and deceitful. I would highly recommend avoiding Embrace Pet Insurance if you care about your pet's health and want to be treated fairly. They’ll gladly take your money, but when your pet needs care, they'll find ways to deny it. It's a scam - pure and simple. Stay away and find a more honest company that actually stands behind their coverage. And now they will follow up with an illogical response to this review, consisting of an incorrect reasoning by fraud scammers who want to steal people’s money. Wellness plan is for preventative care ONLY. In my pet’s case, her anal glands were ALREADY full as per the doctor’s notes. Hence, the treatment should have been covered by her existing plan and NOT WELLNESS PLAN. This is what the insurance policy providers have been doing to deny eligible claims and STEAL PEOPLE’S MONEY- just providing illogical and baseless reasoning and not addressing the real issue. Hence strict action should be taken against them, their ridiculous response and unwarranted justifications should be FLAGGED, and people should be made aware of their unlawful practices.
Insurer: Embrace
By: Soumi Biswas
Awesome insurance!
We have had pet insurance with Healthy Paws for 9 years. We have had a lot of unexpected conditions and surgeries with our dog, and Healthy Paws has ALWAYS been incredible. We have never had any issue with having any of it covered. Thank you so much Healthy Paws!!!!
Insurer: Healthy Paws
By: MICHELLE
All of my experiences so far have been…
All of my experiences so far have been really good. I wish my insurance was so easy to deal with!
Insurer: MetLife
By: customer
Choose Spot Pet Insurance
This is our first time having pet insurance and loving having it. It takes away the stress of what could be a very stressful situation. Claims are easy to submit online and are processed quickly. This is a no-brainer!
Insurer: Spot
By: Teri
Not enough reimbursement for my…
Not enough reimbursement for my expenditures. Deciding whether it’s even worth it to continue with this coverage. Just sent in $900 receipt and was only reimbursed $240 towards expenditures.
Insurer: Spot
By: Dawn Pierdon
Very happy
Very happy with Pumpkin. Retuned emails quickly. Paid claims quickly.
Insurer: Pumpkin
By: Deborah
Quick and easy enrollment
Easy to compare plans and get enrolled quickly.
Insurer: MetLife
By: Bernadette Vitola
Terrible
Terrible — this is completely useless. You are literally paying for nothing. My advice: build your own savings account for your pet’s vet expenses. They backtrack for at least a month, and after waiting that long, they ask for additional documents from your vet. It’s simply ridiculous. The customer service is a joke — poor people working at this company, powerless and helpless. STAY AWAY. In Canada, your best options are TrueCompanion, Pet Plus, or simply using your own money. I spent weeks comparing plans and deeply regret choosing Spot On. Don’t do it.
Insurer: Spot
By: roxane seguy