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Would give 0 stars if I could
Would give 0 stars if I could. They don’t understand rescue pets have guesstimated ages and birthdays and will use that variation against you despite you, the owner, having nothing to do with that. They will take a general piece of documentation, manipulate it to their benefit, and when you submit every piece of evidence in existence to prove yourself, they will still deny you!!! Power hungry, controlling people who don’t give a crap about your pets OR upholding their own policy. Disgusting. We are appealing the hell out of their denial, and being involved in Chicagoland dog rescue (over 5 major rescues), I will make sure everyone in Chicago dog rescues and shelters knows to stay away from Embrace. Wish I could go back in time and go with another company. EDITED in response to Embrace's reply: Given my education and line of work (doctorally prepared APRN with nearly 10 years of ER nursing experience focused on quality, EBP and policy), I completely understand and respect how policy and language within policy works. Embrace has chosen to view ONE TINY LINE of general documentation from an ER vet visit that neither my husband or I were physically at (a friend who was watching our pets brought her in and shared our notes/history with the ER vet who then generalized my text "6.5/7 months old sometime in December" to "6 months old". Despite showing Embrace EVERYTHING we sent over (nonmodifiable writing), they are choosing to weaponize a VERY GENERAL piece of documentation and use it LITERALLY. They are declining seizure coverage because at EXACTLY 6 months old would have been ONE day before our coverage began!! The vet never said EXACTLY AT 6 MONTHS OLD-- but Embrace, in their power, can decide to interpret it this way. Embrace, your explanation of this is very weak and I am incredibly saddened by this whole experience. I have a doctorate, am an advanced practice nurse, and have worked in healthcare and with insurance companies for years. This is a game to insurance companies-- how can I cleverly deny someone the insurance they are entitled to and paying for?? Embrace could have chosen to view that line and correlate it which what history was ACTUALLY relayed, and understand that the vet generalized (as most ERs do). Instead, Embrace chose to use that against us. This is what I am calling BS on! We will definitely appeal, but I want other customers and pet owners to understand the hellish experience we have been going through. This company will do everything in their power to make sure you don't get covered for what you are entitled to.
Insurer: Embrace
By: Katie Debner
I am very pleased to be carrying Figo…
I am very pleased to be carrying Figo Pet insurance on one of my dogs. I have worked with 2 other pet insurance companies in the past. I like Figo the best for these reasons: -super easy to file claims with the help of their AI person. - They have promptly reviewed the claims I’ve sent in. -If they need more medical information about the claim they call the vet office themselves -They pay quickly and deposit it in the account that I specify
Insurer: Figo
By: Penelope
I just reviewed my existing account…
I just reviewed my existing account for continued coverage...there was no problem.
Insurer: Figo
By: jan
Do not sign up for this pet insurance……
Do not sign up for this pet insurance… They will use any excuse not to help you! Literally the worst pet insurance company. I would give negative stars if I could.
Insurer: Spot
By: J D
Insurance gotchas
Like any insurance there are copay’s and deductibles and delays and other shenanigans that will mean that they reimburse you less than you expected.
Insurer: Pets Best
By: Max V
Embrace customer service was great…
Embrace customer service was great within a week and 1/2 I had 2 emergency situations reimbursed. I would recommend this pet insurance to anyone.
Insurer: Embrace
By: Teresa Blamires
Non existent customer service, poor record keeping, denying claims that should be covered under my policy…
I hate to write such a negative review, but I have attempted resolve these issues between myself and the company with no results multiple times… This is perhaps the biggest issue, as maybe the other issues could have been resolved if not for this one, but their customer service is non existent. They continue to send me generic requests for more health history for my dog in order to process the first claim I ever made. I’ve submitted the requested history 6 or 7 times on the app, website, and via email. I’ve contacted customer service MULTIPLE times to get more clarification and try to resolve this issue (as SOAPs ARE included and the records I have submitted are all I have- I work in the veterinary industry and my dog has seen the vets I worked for,) and either receive no response or the same generic response. If I get anything more, they respond once and then ghost me. It’s been over a month since I originally attempted to file. The first claim filed for my second dog was denied, even though it is acupuncture by a boarded veterinarian which is supposed to be covered in my plan. I have sport dogs so I chose this coverage specifically to cover things like acupuncture, etc. Additionally, my veterinarian confirmed with me that they have multiple other clients who use Healthy Paws and their insurance covers the acupuncture, AND I have two friends who have received acupuncture by the same vet and have Healthy Paws which covers theirs with the exact same submitted records/invoices. I filed a dispute regarding this over a week ago and have heard nothing. As it stands I’m currently paying for two dogs monthly, one of which they won’t cover anything on until they “receive” the records that I have sent over and over (so I’m essentially paying for NOTHING) and the other of which is currently not being covered for things that the plan specifically states coverage for. To say that I am disappointed is an understatement. I will be sharing my honest experience with clients and other dog trainers and sports competitors.
Insurer: Healthy Paws
By: Ashton Norris
Long Time Customer
Being a customer for years submitting all the needed paperwork for my claim is very easy. Once that is complete the claim process is very quick and payment is made very fast.
Insurer: Fetch
By: Vicky Johnson Bartkowski
My reimbursements came quickly and…
My reimbursements came quickly and without any hassle.
Insurer: Spot
By: Diane Crum
Our experience with Pets Best Health Insurance
Our experience with Pets Best Health Insurance has been very positive. From our application for insurance for our young puppies through our first request for reimbursement for their first wellness visit with our veterinarian, Pets Best has been very professional and caring.
Insurer: Pets Best
By: John Stewart