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Sneaky clauses
Apparently the policy excludes conditions that arose in a prior policy year, even if you were insured with PHI at the time. What a scam! I’ve never heard of any insurance working in this manner. Our dog developed a cyst in April but our policy renewed in May. By the time he was seen by a specialist, who is recommending surgery, we were into a new policy year and therefore this is considered a pre-existing condition so none of the specialist fees nor surgery will be covered even though we were insured the entire period. Make sure your pets’ illnesses occur in isolated years otherwise your claims won’t be paid! How ridiculous! I’m sure it’s clearly written in our policy (the lawyers would have made sure of that) but this is so contrary to how I’ve ever experienced insurance that I didn’t notice that restriction. It’s totally understandable if the condition arose before we got insurance but this is nonsense.
Insurer: PHI Direct
By: E
I am very happy
I have had my dog insured with Pets Plus Us since he was a puppy. I have never had a large claim until recently. I often thought that I was wasting money since my claims were small. However, recently my dg required treatment that was very costly. I submitted my claim to Pets Plus Us and within a few days I received my reimbursement. I am very happy with the service and so thankful that I kept my dog insured.
Insurer: Pets Plus Us
By: Michele
useless Insurance!!! Buyer beware
we've had this insurance for over 10 years and never made a claim even though our dog has has numerous UTI's due to her ongoing allergies (per the vet). Within a week of making a claim, because we've paid out $2,000 over the last couple of months, we get a notice they are transferring our policy to another company (underwriter) and not only that but they raised our premium 47%, to $477 a quarter!!!! horrible horrible insurance. It's absolutely worthless. Buyer beware! seems to me it's false advertising that it's even insurance since they don't even want to pay claims and raise the premium so they can recoup the cost. I can gaurantee we won't be renewing in October.
Insurer: Fetch
By: Kristi B
Never solved my claim with the excuse…
Never solved my claim with the excuse waiting for paperwork I faxed everything Then was maybe old problem Baby tooth was chipped and extracted should be completely covered by insurance Almost one hour wait when you call
Insurer: Embrace
By: Eva
Super easy to submit claims online
Super easy to submit claims online. I have not had any large claims to attest to reimbursement, but no other issues with embrace so far!
Insurer: Embrace
By: Sophie Mercer
I only wished that my annual coverage…
I only wished that my annual coverage was higher because Lola has meet it. Otherwise filing claims and getting reimburse is very easy.
Insurer: Fetch
By: Valerie
Had previous sent documents on hand and…
Had previous sent documents on hand and ready to complete transaction
Insurer: Prudent Pet
By: Jonathan Chinn
Ease in submitting a claim.
Ease in submitting a claim. We'll see how long and how much reimbursement takes
Insurer: Embrace
By: Zachary Obedin
SLOW
Payments are incredibly slow, and the process required to submit them is also slow and tedious.
Insurer: Embrace
By: Anne McGee