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Premiums doubled
This company more than doubled their premiums in a single year. They also apply the “pre-existing condition” to everything because it “could have began before the policy”. They also argued with my vets, citing “expert sources”.
Insurer: Embrace
By: Zp
If I could give this company 0 stars I…
If I could give this company 0 stars I would. This pet insurance has been horrible. I have 2 dogs and 1 cat. Suddenly my cat became very ill and rushed him to ER only to find out it was from a toxin. My cat began to have kidney failure and I tried to save him, and it costed me $1800, and I had to pull him down he was only 3 years old. I submitted my claim March 2024. The claim was denied once and I turned it back in because they tried to state he has preexisting so my vet attached a letter proofing this was an emergency appt., No preexisting conditions. I just called to check on my 2nd appeal and the MetLife rep. just told me they denied it again stating they want to know how the accident occurred when and where. This company is full of crap. Run don't walk. I have $1800 on my care credit which racks up fees very fast. I'm in the hole financially and I thought my claim would be resolved by now. They don't want to pay. Scammers! I would love to get another pet insurance; they are affordable for a reason because they will not pay out large claims!
Insurer: MetLife
By: Ty Jenea
Very easy to register.
Very easy to register.
Insurer: Trupanion
By: customer
Not happy with the cancellation …
Not happy with the cancellation process. I sent emails and cancelled through my account before the renewal and was still charged for 2 months after, via my credit card.I was told I should have called! I would be very careful if you need to cancel it. I am only getting a partial refund.
Insurer: Fetch
By: Lyn
Rebecca was awesome !!
Rebecca was awesome on the phone and helped me navigate which policy would be best for our new puppy! After my online research of best pet insurance companies and rates/coverages it was nice to have her help me unpack all of that information and make a decision. These days great customer service is hard to come by but Rebecca was very knowledgeable and friendly!
Insurer: Prudent Pet
By: Kevin and Satricia
Employer-sponsored plan is well worth it
We have an employer-sponsored plan which Nationwide calls "My Pet Protection". This review only speaks to that plan and not Modular, Major Medical, or Whole Pet. Let's get the negative out of the way. In the 4+ years we have had the plan, the premiums have more than increased significantly from the high-$30s/mo to about $120/mo, which is still surprisingly well-priced for the benefits ($7500 yearly max coverage and 90% reimbursement). Claims are handled quickly once submitted via their portal and Nationwide has been good about quite a few claims we have submitted months later. As our pup got up in age, she developed cancerous tumors that were removed, but then required recurring oncology visits and chemotherapy. Nationwide covered and reimbursed at 90% including the chemo. I definitely recommend Nationwide if your employer partners and sponsors their vet insurance. I'm not sure at this time if the "My Pet Protection" plan still reimburses at 90%, but it has been journey to go through cancer/chemo with our pup, but a relief to have this particular pet insurance plan through Nationwide.
Insurer: Nationwide
By: Steve Z
What an absolute waste of money
What an absolute waste of money. I've been with them since 2022 and so far, between their annual deductible requirment and what they eventually pay out... It's just not worth the time or expense. Better off just putting away ~$100/month into a 'self-pet-insurance' savings account making todays rate of ~6%. This will pay out WAY better than ASPCA or any pet insurance unless your pet has some kind of debilitating illness... Then maybe but the jury is still out on that one as well based on my experience so far.
Insurer: ASPCA
By: Timothy Lamothe
Can't imagine not having Embrace Pet Insurance
I have been with Embrace for years and not once did I think that all was not good. Customer service is the best and the insurance is the best investment a pet owner can make...
Insurer: Embrace
By: MICHAEL
I never have a problem with this…
I never have a problem with this company. From customer service to submitting claims the process is easy. And that's important to me because I'm more analog than digital so an easy app is awesome. Kudos to the customer service they are always nice and professional!
Insurer: Embrace
By: dobiechick
Carmen was very knowledgeable about the…
Carmen was very knowledgeable about the insurance and helped me through my decision process.
Insurer: Prudent Pet
By: mlruffenocomcast.net