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They'll treat anything as "related" to pre-existing conditions
Sammy (my dog) turned 5 this year so I got her insurance. She's never had a written health concern besides "grade 1 mild tartar on her teeth" two years ago. This means they're dirty enough to notice, but not out of the norm, and not enough of a problem to fix. Basically normal wear and tear. The other day she chipped her tooth playing, so I took her to the vet. Fetch would not cover that visit, and would not cover the procedure the vet recommended because a chipped tooth is "related" to dirty teeth... I spoke to customer service who defended the decision to not cover the procedure because the vet wanted to clean her teeth during the procedure to have a better view. Customer service thought it was weird that Fetch wouldn't cover the visit though, so customer service resubmitted the claim. I got an email the next day informing me it was still denied. I chose Fetch because they covered teeth. It was expensive, and the monthly cost was more than triple what they've reimbursed me for, but I figured it would come in handy if something like a chipped tooth ever happened. I underestimated their greed and apathy. Don't make the same mistake I did. If I could do it again, I would've chosen Nationwide. They would also prioritize profit over their customers and pets, but it would have been cheaper at least. I immediately cancelled my Fetch insurance plan, and will never recommend them.
Insurer: Fetch
By: baylor rutherford
Happy for the most part
Overall completely happy. Usually have a fair amount of time approving my claims and pay within a few days after that. My only complaint is that apparently some of the people looking over the claims only skim over and reject quickly. This is on claims I make monthly for prescriptions. On the positive when I call they have always made it right and approved. But apparently some of their team needs more training.
Insurer: Pets Best
By: Wrrodger
I am reluctant to write a review right…
I am reluctant to write a review right now as my contacts have not all been positive and it has been next to impossible to talk to a real person. I am new to this Company and not real familiar with their procedures. Rather than give a negative review i would ike to see how this works ut.
Insurer: Fetch
By: Samuel Loy
Really don't seem to pay for the…
Really don't seem to pay for the routine service. When I reviewed bills for other dogs we had with your representative much more was covered. Very disappointed and considering canceling the service
Insurer: Pets Best
By: Anthony Fiore
Right hand doesn't know what left hand is doing
After sending a photo copy of invoice as requested by Spot I was emailed that I had already submitted a fax of the invoice and could not file 2 times on the same one. That was not what I was doing. Spot notified me the fax was hard to read and could I email a picture of it. So I did.
Insurer: Spot
By: GLENDA C MILLER
The issue we had took a while for a vet…
The issue we had took a while for a vet letter and a re-write with Embrace underwriting, but we all got the job done with the corrections that needed to be made. Very thankful to Embrace and our vet.
Insurer: Embrace
By: Sue B
Their coverage plans & prices are good
Their coverage plans & prices are good. I like direct deposit, although it does take about a week before the money hits my account. Online filing of claims is easy & convenient. My biggest complaint is sometimes it takes weeks before they settle a claim, than even longer before money is in my account, as I said before. Claims processing could be more timely. Overall I am satisfied with this company.
Insurer: Pets Best
By: Margaret Mills
Interest in profit not the Pet
Unfortunately I changed to this PET ins. I had a good policy but thought if USAA endorsed, the insurance had to be better The annual deductible continues to increase even though it was reasonable at first So I needed to increase deductible. Now I am advised that the policy will not pay for the necessary meds to treat my pets condition. Only paid for Vets fees. Embrace wants me to add additional fee to cover medicine. How can a condition be treated without necessary medicine.? Had I known I would not have canceled the other policy When I first enrolled my Vet wrote that my pet does not have dental disease. I was told that until I had her teeth cleaned dental could not be added to the policy All older dogs have disease. So my pet had to have unecessary cleaning at that time. My pet is senior now so no way can I change to another company. DIsappointed in Embrace's Policies.
Insurer: Embrace
By: arlene B
Highly recommend Sonnet
Highly recommend Sonnet, easy to deal with and good prices.
Insurer: Sonnet
By: Lindsay
Sonnet is fantastic!
Sonnet is professional, friendly and way cheaper than my previous brokers. I have recommended Sonnet to my friends and family for this reason. Keep up the great work guys!
Insurer: Sonnet
By: tiestotrip