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Untrustworthy and Obnoxious
From my experience they will do whatever it takes to avoid covering what they should, no matter how small. Wasted hours on the phone talking to people lying about words I'm reading in their emails. They will ignore what the vet writes and manufacture their own diagnosis that is literally the opposite of what the vet said. They will intentionally misinterpret statements to fit whatever narrative they want. From what I can tell, they're simply a scam. Deeply regret giving this company any money. Edit: Embrace's reply to my comment: "We want to be upfront about our coverage and the exclusion of pre-existing conditions which is defined and agreed upon in our terms and conditions as" What they DON'T TELL YOU is if you take your pet in for something that is covered, like an injury, and it shares one single SYMPTOM with something that is excluded, EMBRACE will diagnose your pet with a condition that is not covered. In my case their diagnosis was the exact opposite of what the vet listed. If your pet cuts their paw and limps temporarily as a result, they can and will claim it's a skeletal or muscular condition. This means for the rest of your pet's life they will not be covered for any condition that could cause a limp. Hopefully final edit: I wonder how many of the "unqualified 8%" of claims were qualified until Embrace put on their doctor's hat and fabricated a diagnosis from thin air? When they got tired of lying about my dog's diagnosis they smugly said that if the dog wasn't lame, then they couldn't cover the vet visit anyway, since it was a healthy dog! Not realizing what they'd just admitted to, I jumped at the chance. I told them sure, I'd gladly pay for the visit if it meant they couldn't use it against her for the rest of her life! They then went into backtrack mode immediately. Cancelled my policy. This company is disgusting. For the first time in my life I am disappointed in USAA for recommending these predators to me.
Insurer: Embrace
By: CM
Quick and efficient service.
I had to find pet insurance one that didn't break the bank. Doing comparisons with other insurance companies, Spot insurance has very good coverage. Plus, Reimbursement process for a wellness visit is within 3 days wow, Pretty cool! I just joined and I'm grateful I did. It's the unexpected you worry about especially with a rambunctious, 6 month old pomeranian. LOL.
Insurer: Spot
By: Theresa Patten
I love the way you treat me and Ra Ra
I love the way you treat me and Ra Ra
Insurer: Spot
By: Dontrell Allen
Easy to work with and quick claim…
Easy to work with and quick claim processing
Insurer: Figo
By: Lisa Eggers
I like for the fact the claim was easy…
I like for the fact the claim was easy and keeps you updated.
Insurer: Spot
By: Michael Manuel
First Claim
Such quick processing and payment. I am very pleased.
Insurer: Spot
By: Trish Haden
Doctors are so frienly and will give you the best advice
I came in to give my puppy her shots and I expected to pay a lot of money for it. My dog is a tea cup chihuahua and they recommended her vaccines to be departed within weeks of each other which is great because they looked out for her health. I have an insurance plan for my dog so I have to worry’s about cost either. Thanks again y’all have great pet doctors
Insurer: Spot
By: Jocelyn Murr Sales
Healthy Paws pet insurance
have had healthy PAWS pet insurance for over 3 years I got it right before I purchased my goldendoodle puppy. Unfortunately he has a lot of health issues mainly skin itching, chronic ear infections, and digestive issues. Healthy paws has been fantastic with what they cover and how quickly they reimburse. They even now and then check in to see how your dog is feeling! Highly recommend Healthy Paws!
Insurer: Healthy Paws
By: Rona
Quick turn around on claim
Quick turn around on claim
Insurer: Spot
By: Rebecca Super
Great communication and excellent…
Great communication and excellent service
Insurer: Fetch
By: Michael Sozio