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The claims process is great
The claims process is great. Submitted a wellness claim and was reimbursed via direct deposit within a week.
Insurer: Spot
By: Patti Jessup
I Love
I Love, Love, Embrace. The submission process is so easy and welcoming. I have never had any claim issues with them. The website is absolutely adorable and fun to use. Thank you for the quick returns as well! The best pet insurance by far. Thank you.
Insurer: Embrace
By: SIMON/DEBBEE LORRAINE
Hip dysplasia not covered.
I signed up for "complete coverage" on April 5, 2024. On June 19, I changed vets. New vet wanted to do X-rays. That's when hip dysplasia was diagnosed. I submitted all paperwork from both vets. After a lengthy process, they rejected x-ray, meds, FHO estimate because of pre-existing condition, even though we were beyond the 14 day waiting period that they advertise and condition was not diagnosed before coverage began. They said it was pre-existing because the SOAP notes had a reference to a "limp" in March, even though the vet told me it was not an issue because my pup had good range of motion in both hips. I would have been much better off putting my $83 in the bank. Needless to say, I feel like they have false advertisements.
Insurer: ASPCA
By: Sadpup
My puppies routine exam and a fecal…
My puppies routine exam and a fecal tests were not covered under the wellness program when they state it should be. Now I have to get some sort of document from the vet to say otherwise?
Insurer: Embrace
By: Ninfa Garcia
Great Coverage, Easy App
My dog was very sick and required many tests and hospitalization. We spent a lot of money on her care, but the fees did not add stress to the situation because I knew I had Spot insurance. The Spot app was so easy to use and the coverage details were clear. We received 75% reimbursement on our total claim were very grateful to have the coverage!
Insurer: Spot
By: Amy H
Great coverage and prices.
Great coverage and prices.
Insurer: Spot
By: Karla
Easy app and always very fast
Easy app and always very fast. I have been with them 4yrs now and they are always helpful. Thanks Embrace team.
Insurer: Embrace
By: Deb
Fast response time
I submitted my first claim and the spot processed it and refunded me quickly!
Insurer: Spot
By: Alyssa
Very affordable easy to sign up
Very affordable easy to sign up. Also easy to file a claim and quick refund directly to my bank account.
Insurer: Spot
By: Eleanor McMillan