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TYPICAL POOR Insurance CO!
I have had HP for several years. All of our claims have been quite small - so they are quick. & days ago submitted 3 claims. $208, $5400, $268. So they applied the $208 to deductible. The $268 was missing a digit on the receipt. THey refused to process the $5400 claim until they had the CORRECT receipt number! They were not even related! Vet was out sick and I could't get a reprint for 2 weeks. So I asked for HP to close that claim and process the $5400 - nope refused to! TYPICAL INSURANCE COMPANY! Hang on to the funds as long as possible! But get your funds for premiums immediately! FIND ANOTHER COMPANY! NO LONGER A good insrance co!
Insurer: Healthy Paws
By: Cynthia Knapp
I have had issues with my debit cards…
I have had issues with my debit cards being hacked which have disturbed me a lot. Mike, in customer service, was calming in getting the corrections. I had never filed claims so he showed me how as well. He is very kind and a caring person.
Insurer: Prudent Pet
By: Diane Mohler
Appalling customer service
So when I moved 10 minutes away, my premiums went up approx $100/month, which while ridiculous, what can you do? I decided to decrease my coverage to make the payment more manageable, as over $300/month for insurance on my 6 year old dog when I haven’t made a claim in years seemed stupid. The payment goes onto my husband’s Credit Card, so I didn’t notice right away that we were being overcharged over $60/month more than what I had been quoted for our changed policy. Of course, I discovered this on a weekend, when the only customer service available is over chat. The person I chatted with, Emma, said she would escalate the situation and I would hear back from them within a couple of business days (which I didn’t). So I call, because the call centre is only open M-F until 6pm ET and speak to someone who says that they will get back to me within 24-48 hours. Which they didn’t. I live on the West Coast, and I have a job, so I don’t have time during the day to call them repeatedly to follow up. I finally hear back from someone 13 DAYS later. Jordan left me a message at 2:40 in the afternoon on a Friday (Pacific time, so 20 minutes before they close for the weekend). Because I’m at work, I was unable to check the message until after 3pm PT. He lets me know that my payment is now $185/month. What??? It was supposed to be $170.76/month, they’ve been charging me $232.23/month, where did $185 come from? And no mention of reimbursing us for the $60+ they’ve been overcharging us for the past 3 months. And I can’t call to ask, because now they are closed. So here we go again. Back to the chat. Which is completely useless because they won’t tell you anything over the chat, just to call during their regular operating hours. What a joke, if my dog didn’t have pre-existing conditions I would change insurance companies in a heartbeat. I might anyways just because how awful they are to deal with.
Insurer: Fetch Canada
By: Bronwyn
Doubled My Rate
Spot pets insurance was great to have for peace of mind for the past 3 years. However 3 months ago when my plan renewed, I find that they doubled my price for my two pets, going from 101 a month to 204, and all they send is one lousy email claiming my premium MAY change. After calling to cancel, and request a refund due to this shadyness, I was denied anything, hence leaving my review here.
Insurer: Spot
By: DD
Very easy claims filing process and…
Very easy claims filing process and quick review of claims.
Insurer: Spot
By: Thomas Seaman
Embrace has taken the financial factor out of emergency medical care for my pets
Embrace has allowed my wife and I to pursue expensive treatments for our pets that gave us peace of mind and, in one case, added years to a life. We've never had a claim rejected over 7 years time across three pets, and several claims totaling tens of thousands of dollars in reimbursements. We've had claim follow-up questions and requests for further documentation, but never a denial. We had an 11 year old Lab suddenly grow gravely ill. All of his tests and procedures were covered. We had a 16 year old cat who was diagnosed with both diabetes and intestinal cancer under Embrace. Everything was covered, including measures costing thousands that added over two years to his life. We just had an otherwise healthy 14 year old cat pass from an agressive oral cancer just 6 weeks after diagnosis. Embrace covered her biopsy, tooth removal, meds (we have the medication add-on), follow-up visits, and what many still consider an experimental medication that likely doubled the time she had left. Embrace never even flinched...all covered. I get that some folks may say negative things about any company based on frustration or having a claim denied for some reason, but our experience with Embrace has lightened the burden that sometimes comes with pet ownership. I watched my parents struggle with taking a gamble saving an elderly pet at the expense of our summer vacation (it worked and the dog lived another three years). I don't have to worry about that because of Embrace and that's a wonderful thing.
Insurer: Embrace
By: Tom G
Professional and efficient processing…
Professional and efficient processing of claim.
Insurer: Embrace
By: George Armendariz