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Easy to file claim & payment quick
Easy to file claim on line. Processing and payment is quick.
Insurer: Spot
By: Terry
Just got a puppy a few weeks ago and…
I got a puppy a few weeks ago and insured him with Embrace. I chose the best coverage possible. This included an UNCAPPED LIMIT for both illness/wellness with an 80% payout and a $250 deductible. I also added the vet fee, medication, and $650 wellness to the plan. On a Friday night around 10 pm, my pup was acting out of the ordinary. He was lethargic and we could not figure out what was wrong. The next day (first thing in the AM) my wife took him to the hospital and they found out he had a fever. They did bloodwork and every test possible but could not find anything else. The hospital just gave him an IV and sent us home with some meds. The total bill was $850 for this visit. Mind you I received an email that exact day that my 14-day grace period for illness had just passed so everything was supposed to be covered on this particular day. I filed a claim that very day and waited. The following week I received and email with a list of pre-existing conditions. In the list was vaccine injury, entropion issues and to MY SUPRISE "DECREASED APETITE!" They denied my claim completely due two reasons: They said since he was sick the day prior (2 hours before midnight) that he wasn't covered. This is even though we took him on the day he was SUPPOSED TO BE COVERED. The other reason was DUE TO THE PRE-EXISTING CONDITION "DECREASED APETITE." I was extremely upset when I saw the claim being rejected. What kind of "UNETHICAL PRACTICE" uses decreased appetite as a pre-existing condition?? Any time any pet or even human is ill they will have decreased appetite. This means that all illness claims going forward EMBRACE will be denied. I called them about them using decreased appetite as a pre-existing condition. They had no logical answer for it. Even some of the reps understood the problem. That means that if your pup is ill and you tell your vet he has decreased appetite they won’t cover the illness coverage. Isn’t that crazy? How can this be a pre-existing condition??? I am extremely disappointed in Embrace. I will be changing insurance.
Insurer: Embrace
By: Sam Noyola
Amanda was very pleasant and very…
Amanda was very pleasant and very informative and detailed of her knowledge Truly appreciate her love for animals.
Insurer: Fetch Canada
By: Brenda L
I called to get a little clarification…
I called to get a little clarification on what is/isn't covered, particularly for the wellness portion, and the rep. I spoke to was very pleasant and helpful. The discounts for multiple pets, annual payment, and AARP members really help.
Insurer: Fetch
By: Julie
Spot is awesome!
It's really easy to file a claim and it's a relief to know I have some financial support in caring for my senior sweetie.
Insurer: Spot
By: Dawne Eng
After I explain and mailed you my…
After I explain and mailed you my recite. I was pleased .but I am 80so trying to seend you copy's by my phone is not good.
Insurer: Spot
By: Phyllis Ray
DONT WASTE YOUR TIME WITH THIS COMPANY
Get a different pet insurance company. MetLife does NOT approve your claim even after soap notes from the Vet, proof, receipts, etc. MetLife collects your monthly payment without providing any services. Seriously the worst pet insurance company. You lose money here rather than getting help for your pet. Don’t waste your time here.
Insurer: MetLife
By: Leilani
Misleading
Misleading. Made to sound like it covers way more than it actually does. They trick you into a wellness plan to cover routine check ups and visits,but only cover a very small amount of these visits,but write it so it reads like it covers ALL of it. Wellness plan boasts that it covers spaying and neutering, but than only reimburses you for $100. UNACCEPTABLE! It does help you save some money on some things,but the dishonesty is advertising and the premium plus the wellness plan and the coverage just don't add up. Pet insurance is just another scam to get more money. Fetch will not be getting anymore of mine. After the spaying scam,I immediately canceled my policy. My Grandparents never had dog insurance, my parents never had dog insurance, and I'm almost 60 and I've never had dog insurance. None of us ever lost a dog because we didn't have Insurance. Keep your pet insurance, Fetch
Insurer: Fetch
By: K !
Overall good experience
Overall good experience. Communication was a bit of an issue with the agent. It would help greatly if the portal was clearer regarding was is covered. I received information indicating that the full estimate had been approved. At the same time it was showing that a direct deposit of $5,000 had been made. It was not and the $5,000 was the maximum allowed. That was confusing. In the end, the $5K was close to the actual cost but the way it read was very confusing. Overall however it was a good experience and I would recommend SpotPet to my friends.
Insurer: Spot
By: jp alotte