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Their plan is to FIND a pre-existing condition
It has been 2 years of frustration, follow up, runaround, and non-payment with this company. Our dog has literally been enrolled with Embrace since 9 weeks of age. The first year we did the wellness plan and the work we had to do just to save $25 was ridiculous!! our vet submitted to them all the required proof of health and orthopedic wellness. But this apparently was useless. We had to repeatedly call in order to get any of our wellness visits paid. Anyhow, 2 years later and We had an emergency come up with our dog that cost $2800 due to something our dog ate. Yet they are refusing to reimburse us because (according to THEM) they need to verify that this was not a pre-existing condition. What?!? So I called and spoke with a rep and had her tell me word for word what I needed to email my vet and request them to send. The vet sent everything they asked. But Because our dog has never had anything other than vaccines and wellness visits, there are no extensive notes. So Embrace says their notes are insufficient. Now, instead of needing notes from the first 3 months of his insured period, they now need all of our dog’s info from June of 2021 to NOW. Our dog was not even born until September of 2021!! So apparently, they want to find something - ANYTHING - as a way to not pay. They also seem to want to tell my vet how to take notes. At this point, it’s not even about money. It’s about how much this company has wasted my vet’s and my time. Save yourself the aggravation. Go with someone else.
Insurer: Embrace
By: Shelby Walker-Adams
I can’t say enough about how great it…
I can’t say enough about how great it is to have this insurance for my fur babies! Easy to use the app. Keeps updating claim status and is very timely! I recommend this for anyone with pets!
Insurer: Pets Best
By: Adele Beardsworth
Still have a claim pending from…February
Still have a claim pending from February. Now after 5 weeks I see they are requesting paper work from the vet. Very slow on paying out claims. Should have stuck with Nationwide.
Insurer: Embrace
By: Samuel Campese
Figo didn't cover Mando's last vet…
Figo didn't cover Mando's last vet visit for his eye injury. I thought insurance was supposed to cover it? I guess you have to read the fine fine print.
Insurer: Figo
By: Tyler W
Fetch Pet has Provided Amazing customer…
Fetch Pet has Provided Amazing customer service, Easy process, and the feeling of reassurance that if there is an emergency you don't have to worry about how you're going to pay for it. My dog Mallory was overall healthy her entire life and just recently in her teens we experienced more vet visits that were extremely costly. I can't imagine not having Pet insurance, last year we even maxed out our policy with visits and when the renewal came, I was surprised to see that it wasn't much more than the previous year even with all the claims. When she passed in March they paid the claim and without even being asked cancelled the policy and refunded the pro rated difference of the policy. When I called in to check that everything was all set (because the process seemed so almost too easy) Kathryn the representative was so sweet really listening to me talk about my dog who just passed away. I have never had a negative experience, and everything was very easy on the online portal. I can't say enough good things about this company. IF your wondering if you should buy pet insurance, From my experience with a ill senior dog After witnessing so many people in the Emergency Rooms putting their pets to sleep because they couldn't afford the cost of surgery's, treatment etc., PLEASE GET YOUR PET INSURANCE. I am so relived I never had to make that decision and my decision to lay her to rest was because we had no more options and not due to a vet expense.
Insurer: Fetch
By: Johnelle Ciano
Disappointed Policy Holder
I obviously did not read the all the exclusions in the plan. Completely not satisfied with the reimbursement process.
Insurer: Figo
By: Leon Cisek
Smooth and efficient Claim
Claim submission went well and the service was excellent. All delays were courteously followed up with email notifications. Fair reimbursement for services submitted. Thank you.
Insurer: Pets Best
By: Richard
Pets Best is a STELLAR company
Pets Best is a STELLAR insurance company. Submitting a claim is a breeze. The status of the claim is easily visible, and the payments are prompt. I have recommended this company to my friends and spread the word to my veterinarian as well. I highly recommend them!
Insurer: Pets Best
By: nancy schwab
The company is every quick with…
The company is every quick with response when you file a claim but it taking longer to get the money back
Insurer: Spot
By: Colton Berglund
customer service
stephanie was awesome Very good customer service
Insurer: Prudent Pet
By: Dana Benson