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I think deductibles are too large.
I think deductibles are too large.
Insurer: Fetch
By: Kathy
I was very happy with Embrace
I was very happy with Embrace. I felt my claims were handled in a timely manner. I like the fact that I was sent emails and messages so I knew where I stood along the way. it was very easy to file a claim.
Insurer: Embrace
By: Donna Bell
Recommended Pet Insurance
Partnered with USAA, has been our reliable choice for pet insurance and wellness. Highly recommend Embrace Pet Insurance for ease of use, friendly customer service, and reliability for care of our GSD.
Insurer: Embrace
By: Averill Nisley
First claim i’ve ever filed - would recommend.
First claim i’ve ever filed. Good people to work with. Even though their phone msg says there can be up to an hour of wait time, someone actually DID get back to me, both times I called. *Must be careful to give the correct details from the beginning. They want vet history. If you accidentally list a vet that wasn’t in your pets history, you’ll be hung up for days while they continue to try to retrieve history that doesn’t exist. Suggestion: be sure to get all the history yourself, then email or upload to the site. Vets names/addresses need to be correct. Correcting all the way through to adjusters after the fact is challenging, even with phone call. They honored my claim, with very reasonable payout. Would I recommend? YES :-)
Insurer: Embrace
By: SW
Comes in handy for sure
Comes in handy for sure
Insurer: Pumpkin
By: Caitlin Perry
The staff is very helpful
The staff is very helpful. Any questions or concerns I have, are answered kindly and professionally.
Insurer: Pumpkin
By: Amy Sprenkle
Don’t be fooled
My policy renewed a few days ago, and like many other reviewers here have said, prices skyrocketed this year! My healthy 7 year old chihuahua mix has been insured by embrace for 3 years now. In those years I have submitted 2 claims; a tick bite and a scratched eye. Both were in the same claim period (near the end of the first year of coverage). After a VERY BAD first claim experience (see previous review), I was eventually reimbursed for the amount over my deductible. I wasn’t too surprised when my renewal cost went up that time, but it was reasonable.. less than $10/month. I adjusted my deductible to keep cost down and haven’t needed anything from embrace since. Imagine my shock when my renewal went from $55/month to $79/month!! In the renewal email embrace strongly recommended decreasing coverage to keep cost down! And THERE’S the racket!! They gladly offer affordable coverage to hook you and then once you’ve gone through the waiting period they hike prices and use the threat of having to suffer waiting periods if you decide to leave! Instead they want you to stay, but they also want you to significantly DECREASE coverage so they are off the hook should you actually need to be reimbursed for something expensive! It’s not so much that they want more premium money monthly, it’s that they don’t want to pay too much, thereby negating the actual POINT of having insurance! When I called to adjust coverage again the friendly agent suggested keeping my deductible the same but cutting reimbursement limit by 33-50% instead!! I almost agreed, but instead asked what my cost would be to keep all coverage the same but increase my deductible; I explained that having to pay $1000 before getting coverage each year was better for me, since the point of insurance is having BIG expenses covered if they happen. Surprise surprise! My premium is even LOWER than before, and you better believe I will use the opportunity to find better pet insurance and be done with the embrace scam before next year’s renewal! Since $1000/year is the maximum deductible they allow (which I find strange), starting next year my only option will be to decrease coverage. No thanks, embrace!!!
Insurer: Embrace
By: A Ro
First time I have used the insurance…
First time I have used the insurance and filed a claim. It was very easy. Fast response and approved my claim with in 24 hours. Very happy.
Insurer: Embrace
By: M K
Hmmm…seems suspect
Submitting the actual claim was easy BUT you are required to select a diagnosis as part of the claim process. I feel like the options you have to select from all correspond to pre-existing conditions which could potentially result in your claim being denied without an actual review. I hope I’m wrong.
Insurer: Embrace
By: Michelle Huard
I would not hesitate to insure another pet with PetsBest! The peace of mind is worth it!
We switched 4 pets to PetsBest with an accident and illness plan a few years ago for peace of mind and fortunately haven’t had to use it until the past few months when one of my dogs started to decline. He ended up hospitalized for a few days and while there is always the worry of ‘are they going to actually cover it?’, knowing we had it helped us immediately get Anakin the care he needed without a second thought of the financial impact. We finally started the process of getting our pets medical records sent in and after calling customer service and speaking with an extremely nice and thoughtful representative, the process of getting years of records from multiple places emailed in was a breeze. The app is very easy to use and getting his invoices uploaded for claims was intuitive. My dog’s specific case wasn’t really a ‘check mark the issue’ option so having the fields to write in what was going on was helpful. Our claims so far did take a few weeks to be approved but I can understand why as his situation is complicated but I consistently got emails that apologized for the delay and that they were being reviewed. Anakin will need ongoing care for his medical issues but having PetsBest has truly lifted so much stress off our heavy shoulders while we navigate this. I know everyone’s experience with pet insurance is different but I truly would not hesitate to insure a pet again for the peace of mind. You just never know what could happen.
Insurer: Pets Best
By: Kaylee Stafford