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Compassionate Company
Fortunately, my beloved little Yorkie was healthy for most of his life until recently and unexpectedly he became ill with cancer and with a broken heart he was euthanized. It took several days with expensive diagnostic treatment until the diagnosis was made. I submitted the claims and they were paid promptly. But what came as a surprise was the compassion I received from Pet Embrace. 1st in a beautiful email expressing condolence, secondly without prompting they cancelled the insurance and refunded the premium for the month. Third I received in the mail a lovely condolence card that contained wildflower seeds to plant in remembrance of my lost fur baby. This compassion touched my heart.
Insurer: Embrace
By: Julie Eriksson
So far it's been super easy submitting claims!
So far submitting claim has been super easy. Hardest part was choosing diagnosis. Will update after claims are processed.
Insurer: Embrace
By: Lori Sides
preexisting conditions are ridiculous
I insured my 8 week old puppy, but somehow STILL they are claiming everything is pre existing because one time it was mentioned to a vet that she was itching a little bit. Very hard to reach anyone by phone. Lesson learned - even if you insure a puppy before their first vet visit, and wait for the waiting period to close before getting treatment, conditions can still be "pre existing" according to Pets Best.
Insurer: Pets Best
By: anonymous
So easy and great customer service
So easy and great customer service, prompt to reimburse
Insurer: Embrace
By: Erin Birdsall
Exorbitant Rate Increases
This review is solely based on rate increases that you need to understand before getting insurance with Trupanion for your 1 yo mixed breed male dog between 20-55 lbs. Prices have gone up everywhere but I was told that yearly my rates typically would go up about $4 a month and they did for a couple of years. Well fast forward when my rates started 11/2019 and now it's going to be 11/2024. My current monthly increase now totals $120.66. It was $58.83. at age 1. Last year it was $85.88 a month. Doing the math averaging out on percentage's a year, that would be approximately 21% a year or as of 11/2024, 5 years later, a total 105% increase. If you do not mind that, than go for it. Never had a problem with them paying for claims ($500 deductible for new incidents, there were some exclusions for pre-existing conditions (allergies and IBD, inflammatory bowel disease) and I was covered at 90% with no ceiling. There are cheaper plans with them. Maybe check those out. I'm just giving you the skinny on the particulars of my plan. So last year the increase was about $18 a month, this year closer to $35 a month but, hey, I'm told it could also go down when the vet prices go down (told that story line last year too). I live in Denver, that's definitely not happening. My recommendation, if you live in a state that has high vet costs, shop around and think about the future when your dog is likely to need more medical help. But I must point out again, that they did say the rates could go down... uhuh. My home/car insurance with Nationwide told me the same line of.... and in 11 years that never went down even one time.
Insurer: Trupanion
By: Abby Balaban
The process of submitting a claim is so…
The process of submitting a claim is so simple, and the reimbursements are pretty quick
Insurer: Embrace
By: Joan Francis
First time we used our insurance.
First time we used our insurance. Great experience. Our Dog got sick all of the sudden. We had seen 4 different doctors . Hospitalized etc . The claim process was easy and professional ! Warmly recommended..
Insurer: Embrace
By: Gal Motil
Customer service is very efficient and…
Customer service is very efficient and helpful
Insurer: Embrace
By: Michele Taliaferro
Not worth it
This company will act like they care about you and your pet and them do everything they can to deny you any reimbursement or coverage. Unless you start out with a kitten or puppy that’s 2 days old, you’re just throwing money out the window. The wellness “rewards” is just paying you back for something you do once or twice a year while you pay $60 a month for coverage that isn’t coverage. They expect you to do all the leg work only to tell you your requests for coverage of prescribed supplies, prescribed supplements, prescribed food, and prescribed medications are not covered. Absolute waste of time and money, it’s even worse than insurance for humans. You’re better off paying through CareCredit and hoping for the best. I’ve had them for over a year and I’ve had enough.
Insurer: Embrace
By: Rebekah