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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
6+ Years with Healthy Paws and Very Pleased!
I have had Healthy Paws for my pets for close to 7 years now. We have a $500 deductible and 90% reimbursement rate. In 2020, my long haired dachshund landed herself in the ER when her gums turned blue and she collapsed. The vet bill turned out to be somewhere around $3,500. HP reimbursed to the levels I stated above and I could not have been happier. As they tried to figure out what caused my dog to collapse, they wanted to order more tests, and I gladly said yes knowing I had such great coverage for her. Next up, my cat developed heart disease at the relatively young age of 2 and had to get regular cardio exams and medications. HP was great here too, as we hit our $500 deductible each year and then I’d receive reimbursements for the services my cat needed that went above this cost. In September 2023, my other dachshund became paralyzed and had to undergo emergency spinal surgery for IVDD. This is the main reason I got pet insurance in the first place. Since then, my dog recovered well, and then herniated another disc, had surgery again, and HP reimbursed to our levels BOTH times. The surgeries were pretty much life saving for my dog, as the chances of her walking again without either surgery was extremely low. In my policy, HP does not cover wellness exams or specialty vet exams, and the cost has increased somewhat every year. Even with these two points, I am still confident in my choice and repeatedly pleased with the service we have from HP Paws. I’m so SO thankful that I can continue to provide the best medical care to my pets knowing that I have a policy with this company. Thank you Healthy Paws.
Insurer: Healthy Paws
By: Caroline Horizny
This companyy is awesome.
The quick response to the claims, and their assistance with answering questions in a prompt and concise manner.
Insurer: Spot
By: Darlene Albury
Claims was pretty seemless
Claims was pretty seemless. I submitted the paperwork. It took about two weeks. I’m glad I had insurance for sure!
Insurer: Embrace
By: STEPHANIE
Very easy to use and pays quickly!
Very easy to use and pays quickly!
Insurer: Spot
By: Nicole