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Heartbreaking rigidity and poor customer service...
For years, I've been paying nearly $200/month for my older dog. I've never filed a claim once. In July, she suddenly needed serious dental work (a lot to process financially and emotionally). I'm 9 months pregnant, working full-time, and have been juggling a lot. Yesterday, I sat down to formally file the claim. That's when I learned the window closed 2 weeks ago. I had no idea there even was a claim window---apparently this is only after a policy renews. The rep told me my renewal was 6 days after the procedure (seriously, just 6 days!). For that reason, the window kicked in and they won't even consider the claim. Had the emergency happened a week later, there'd be no issues, which is a reality I'm struggling to wrap my head around. I can't begin to describe how disappointed I am with Embrace, or how stupid I feel for giving them so much money over the past few years... The policy doesn't cover preventive care (I have to pay *another* plan for that), only emergencies; so, now that I'm finally facing one, I can't believe Embrace won't consider reviewing it given how close it was to the renewal... This is an unfathomably profitable company. I'm not sure how a business taking in *so much money* from its customers won't even offer an appeals process. There's nothing patient- or client-centered about Embrace. If you're in the unfortunate position of working with them, please do yourself a favor and (1) read through every fine line of your policy, (2) set calendar reminders for policy renewals, and (3) file all claims immediately. Embrace's policies and procedures are designed to make reimbursement as challenging as possible.
Insurer: Embrace
By: Brynne
Excellent service
We've had a few claims for our pup and they have all been covered as expected. Excellent peace of mind!
Insurer: Pets Plus Us
By: Brenda
Life saver
Two years ago today, I found out my little man had a tumor on his heart that was leaking fluid. I thought my days were numbered with him. Since then, he’s had 3 heart surgeries, a round of radiation, chemo, a tumor removed on his leg, hypertension, blood clots on his lungs, a late night seizure which resulted in a tumor on his brain, another round of radiation and chemo. He’s on countless meds and gets scans every 8 weeks. The silver lining is he’s still here! Going strong! He wouldn’t be here without pet insurance! They have not questioned one thing. I preach all the time, if you love your pets, get pet insurance. 🥰 #DougtheDog
Insurer: Healthy Paws
By: Robyn
I hate that our pup got sick
I hate that our pup got sick, but thank goodness we had the insurance for unforeseen health that is very expensive. She is doing so much better. Hope nothing else goes awry.Pumpkin would be my ONLY recommendation to other dog owners.
Insurer: Pumpkin
By: customer
Insurance was cancelled trying to get a…
Insurance was cancelled trying to get a quote of adding a person to my policy and there was no place to actually get a quote properly the system automatically added the person then cancelled my policy. The people that you speak with don't seem to have half a brain, 3 people couldn't make a decision without talking to someone else and that person couldn't make a decision either so then you've got to wait two days for a resolution specialist to make a decision without any communication to you. They don't have the cheapest rates anymore either, which they were supposed to having the online system (which sucks). I would be scared to have any sort of accident and see how that would be handled rather pay a couple hundred a year for a real insurance company that would actually pay you for any incidents.
Insurer: Sonnet
By: Paul
Solid Service
Reasonable rates. Claim submission is a breeze with responses normally within a week.
Insurer: Spot
By: A Nav
Amazing
Amazing! Easy to use app, quick reviews and reimbursements after submitting all the medical records. They are true to the contract and zero hassle! So happy with Spot insurance for my large breed dog!
Insurer: Spot
By: Jillian Hammes
Spot is more than reasonably priced for…
Spot is more than reasonably priced for the coverage you get. Very quick returns on reimbursements and great customer service.
Insurer: Spot
By: Randall Vanscoy
First full year on insurance!
Thankfully my young guy has not had anything too horrible; Howe we’ve had a few unexpected issues and I have had no problems submitting his claims nor receiving the reimbursements. They are pretty timely; and I’m very pleased with the knowledge that I have him covered for unexpected issues.. I’m very grateful to know SPOT is in our corner:)
Insurer: Spot
By: Lisa