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Not worth it!!!!
Too much for to little! Very disappointed!
Insurer: ASPCA
By: M Dorothea Lehman
Cost should be around $55 at most but it’s $82
What I have come to realize is really not much is covered with Embrace unless you add wellness rewards or your dog gets spontaneously hurt or sick. This is their coverage in a nutshell, so be prepared. Then there is the annual deductible that has to be met so you put in a claim find most of claim they agreed to pay goes towards your annual deductible. I essentially paid for the insurance for 3 years and received little to no benefit. Had I understood the how this insurance works I would have chosen a different company that offers the same insurance but offers wellness rewards at the same total price as Embrace and Fetch insurance does just that. So I canceled Embrace because they also recently hiked my rate to $82 a month. I called Fetch and the same coverage with wellness rewards is $15 dollars less than what I was going to pay with Embrace. Anyway nothing bad to say just overpriced insurance based on my research with other pet insurance companies.
Insurer: Embrace
By: Dave Pace
Amazing experience with Pet’s Best
Amazing experience with Pet’s Best! Losing your best buddy is very tough, but the process of grieving was so much easier without the hassle of fighting an insurance company. Pet’s Best made the experience effortless. We’ll never have another pet without Pet’s Best!
Insurer: Pets Best
By: Rick
Absolutely terrible experience
Absolutely terrible experience. I’m still fighting them almost 2 years later for reimbursement on several claims worth over $900 Most frustrating customer service experience I have ever had Do yourself a favor and do not waste your goddamn money.
Insurer: Fetch
By: Do Better.
Mobile use is not accurate
Mobile use is not accurate as using hand-free mobile call would have 17/100. Totally understand it is one of the distractions, but rating 17 out of 100 is not acceptable. It would be more reasonable if the driver is holding a phone while driving or playing some app on the phone such as texting whiling driving would get that low score. I am hoping the rating system would have a different prospective on this issue.
Insurer: Sonnet
By: Charles
A much slower resolution
This experience with another of my furbabies, Lilly Rose, took a lot more time than my first, with my Vinnie and it was a small fraction of Vinnies claim. I'm not sure where the problem was (whether the vets office, Embrace Insurance, or a combination of both). But I'm glad it's finally resolved. Thank you so much.
Insurer: Embrace
By: Beverly Beahn-Sivula
They make you feel stupid, then they might pay
First, I will start with this. Embrace DID end up paying. But it took 45 days, 5 emails, several calls to my vet's office, and hours of my time. During this time, they sent me multiple emails detailing how everything was taking them longer because they had to determine if my dog had a pre-existing illness. My dog (who is very healthy) had been insured with Embrace since 9 weeks; had his first vet visit at 10 weeks; had all his shots and vaccines by 16 weeks; and then once the vet was sure my dog was fine at 16 weeks had had his full healthy puppy exam. But according to Embrace, even though my dog was now 2 1/2 and had fulfilled every waiting period there was, they had to restart my waiting period because my dog was supposed to have had his full exam at 12 weeks and now they had to restart my waiting period from a month later. The whole thing was ridiculous. Their emails made me look like *I* was the stupid person for not following the rules and like somehow their signup process had made it very clear what I was supposed to do. But even when you read the fine print, (I always do) I could find nothing that stated my early visits to the vet were insufficient. If you DO decide to go with Embrace, here's my warning. Make sure your vet does a thorough exam with complete S.O.A.P. notes on your dog *as soon as possible* and sends this exam to Embrace. Then make sure Embrace sends you WRITTEN confirmation that this fulfills their requirements of a complete exam. Make sure it shows that Embrace finds NO pre-existing conditions. Because otherwise, Embrace relies on slick wording and legal loopholes to find pre-existing conditions. And if they can't find them, they still take forever to reimburse you and they put you and your vet thru a ton of work.
Insurer: Embrace
By: Shelby Walker-Adams
Embrace took good care of Nina's…
Embrace took good care of Nina's medical invoices. They are the best and their customer service is fantastic. My Nina passed away on 05.02.2024 and the gentleman that helped me did a great job to assist my needs regarding uploading the final claim. Just an awesome staff. Again thank you for taking care of my Nina's needs. Rosie
Insurer: Embrace
By: Rosie
My first claim was easy
My first claim was easy to do and very quick response! Very happy I got Spot Pet Insurance!
Insurer: Spot
By: Marianne
File claim.get your money
I got 70% of my cash back when I filed a claim for my vet appointment. It was fast and easy. The money hit my account in I think a days time or two days
Insurer: Spot
By: Lilly Saldivar