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Just Okay!
All I can say is that I tried to file a claim, and it seems like all of my dog's ailments were pre-existing, so nothing was covered. They may be suitable for emergencies, but for annual checkups, they're not worth the monthly cost.
Insurer: Embrace
By: DAVID
Easy
Easy. Product worked as advertised! Good for ASPCA PET INSUR
Insurer: ASPCA
By: Evelyn Murphy
A total scam
I would give a 0 star review if I could. I got Trupanion because it seemed to have the best coverage for a price I could afford and I knew signing my cat up when he was a kitten would be best. But in the two years that I have been with Trupanion, they have increased the monthly premium by 60%. Both last year and this year, when I asked why the increase was so high (about 25% each year), they told me it was based on the number of claims for cats of the same breed and age as well as the increase in vet costs in my area. This doesn't really make sense to me, because my cat is 2 years old and while his breed is prone to some health conditions, they are ones that usually affect his breed later in life. So I cannot understand where this rate of increase is justified, other than the company just wants to get money from the customer. Also, their only solution is to increase the deductible so you get a lower rate, but once you increase a deductible, you can't lower it again.
Insurer: Trupanion Canada
By: Katya Meereboer
Each Pet Should Have Its Own Policy Anniversary
We adopted two kittens, both of which I signed up for insurance two weeks before my dog's existing policy was set to renew. Due to that existing policy for my dog, the two cats' policies went up by over 20% on the same anniversary date as the dog's policy. This is a huge oversight on Embrace's part. Each pet should have it's own anniversary date when premiums rise. The way it is set up now is unnecessarily penalizing existing customers. I called in to request that they honor a year on the quoted premium but they could not do it and could not provide any reasonable explanation as to why my two new kitten policies should have to renew at a much higher premium just two weeks after their policies were created. This is asinine.
Insurer: Embrace
By: Susan Lee
Trust Embrace--they're worth your business!
Embrace has been easy to work with on all the claims I've unfortunately needed to put in for my dogs this year. Turnaround time is quick, and talking to their customer support representatives has always been a pleasant and helpful experience.
Insurer: Embrace
By: Nori Gilo
Outrageous Renewal Increase
I didn't have any claims, and Embrace increased my renewal cost by 27% in a single year. As a result, I cancelled my coverage.
Insurer: Embrace
By: Timothy Boulay
The website is so easy to use
The website is so easy to use
Insurer: Prudent Pet
By: Maria F Rodriguez P
Fur Babies need Love and Care
I just purchased Embrace Insurance/ Wellness for our great Pyrenees puppies, Bodacious and Charcoal. This was my first claim filed, and it seemed so easy! I have talked with agents, and they were very helpful guiding me to the right coverage. I am new, but I would recommend Embrace to all those who have fur babies. I already have spread the word!
Insurer: Embrace
By: Gina Moore
Claims handled quickly!
We've had an Embrace policy for awhile and luckily, didn't need to submit any claims until now (3 years in). Our dog came down with pneumonia this weekend which led us to the ER. Embrace covered the agreed upon 90% of costs, but we were most impressed that the claim was handled with 24 hours. We were refunded within 2 days. We appreciated the prompt attention and are glad that we have a policy with Embrace!
Insurer: Embrace
By: Mia the beagle-boxer
You would need to purchase a policy 60 days before the dog is born for hereditary conditions
Despite the company indicating that they cover hereditary conditions they do NOT. I purchased my policy AFTER my puppies initial visit with her vet. I had no knowledge of a condition prior to the purchase of the policy and the vet did not diagnose anything. My puppy was apparently born with Lateral Luxation and because it was noted in her file 11 days before a 60 DAY waiting period coverage for her condition has been denied. Basically your puppy would need a have coverage 60 DAYS before being born for this condition to be covered. Their policy states the waiting period is to avoid fraudulent claims. They are clearly manipulating the system with this waiting period for a new puppy so that they can obtain your premiums and plan to deny any hereditary conditions. For a new pet owner trying to cover their 12 week old animal after purchase/adoption be prepared to experience something you had no control over. Go to SPOT insurance they only have a 14 day waiting period for orthopedic. I 100% regret this decision.
Insurer: Embrace
By: Jennifer Bolton