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One claim, premiums increased
We submitted one claim through healthy pet insurance earlier this year. Once the claim was resolved, which they did pay, they increased our rates by about 40%. Now, three months later I get our renewal with another substantial increase. From prior to the claim to now, the premium has almost doubled. I disputed this with customer service and was ghosted. There are lots of other better pet health insurance policies out there.
Insurer: Healthy Paws
By: Lisa
Latest 1 comments
Regarding the premium increase you mentioned our customer care team explained via emails that your pet was enrolled as a certain breed. Though we rely on the information provided by anyone enrolling a pet, we understand mistakes may be made. During a routine audit of your pet's medical records, a breed correction was made. To ensure accuracy and compliance with insurance regulations, we needed to update the premium. Charging premiums based on accurate pet details allows us to provide our features and benefits with no annual or lifetime caps. The second increase was an annual premium adjustment that takes place on your policy anniversary date. Your premiums are calculated on a state-by-state basis in accordance with filings that have been approved by state insurance regulators. In each state, premiums are affected by multiple factors including age, breed, sex, zip code, and the particular combination of reimbursement and deductible on a plan.
Easy to make claims and quick to…
Easy to make claims and quick to process and pay
Insurer: Spot
By: Tanya Lee
So far Embrace has exceeded our expectstions…
So far Embrace has exceeded our expectations for a pet insurance company. I feel our dog Skye will have the support she will need over her lifetime. We were excited to learn her grooming would also be covered. Submitting a claim is very straight forward and setting up the account was relatively easy. Keep up the great coverage! Virginia
Insurer: Embrace
By: Virginia
Excellent
We haven’t had any issues with coverage and the claim process is easy and quick.
Insurer: ASPCA
By: Damaris
Good until yearly renewal
I think the insurance is good. Reimbursement and communication was good. I had insured 2 dogs and 2 cats at an affordable rate. However, my first yearly renewal recently popped up and I received a notice it was going up $98. I simply can’t afford that so I had to cancel all of my pets except one. Very disappointed in that level of rate hike. I expected it to go up a little, but $98 is significant.
Insurer: Embrace
By: Donna May
We have been very pleased with spot…
We have been very pleased with spot insurance. We had only had our cats insured for about One month. When out of nowhere one of our precious babies was diagnosed with an eye tumor. Spot was very good in being there for us during this difficult time. They reviewed our cat vet records to verify no preexisting condition and immediately paid our bills when they verified all was a new condition. I just want to say to all pet owners. Take it seriously about insuring you’re fur babies. Our babies had always been to Veterinary for all wellness checkups etc. Had always been very healthy.But, this eye tumor came out of the blue with no signs ahead of time. Spot made this scary time so much easier to handle for us.We knew we could get the needed vet care for our fur baby and spot would have our back financially. If you talk to them on the phone they always ask how our babies are doing. So, if you can it is best for you & your babies to have them insured. I know if your like my Husband and myself our fur babies are a part of our family. Our baby had to have his eye removed but he is doing well. Most importantly he will still be able be an important part of our family & enjoy quality of life with us. Thank you spot for being there for our family in this scary time. Cheryl & Mitch
Insurer: Spot
By: customer
Exemplary service
Not only was Josh courteous and professional, he was also super friendly and seemed quite easy going and very nice to talk with. He addressed my concerns and answered all my questions. He represented your company very well.
Insurer: Fetch Canada
By: J K Hann
Exemplary service
Not only was Josh courteous and professional, he was also super friendly and seemed quite easy going and very nice to talk with. He addressed my concerns and answered all my questions. He represented your company very well.
Insurer: Fetch Canada
By: J K Hann
Exemplary service
Not only was Josh courteous and professional, he was also super friendly and seemed quite easy going and very nice to talk with. He addressed my concerns and answered all my questions. He represented your company very well.
Insurer: Fetch Canada
By: J K Hann
Exemplary service
Not only was Josh courteous and professional, he was also super friendly and seemed quite easy going and very nice to talk with. He addressed my concerns and answered all my questions. He represented your company very well.
Insurer: Fetch Canada
By: J K Hann