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So I again contacted Embrace
So I again contacted Embrace. They said “due to the fact that the first vet records have still not been obtained we will consider your pets condition as pre-existing”. What a crock, they have all of his records and he was not adopted from a reputable breeder with a stellar record with a broken foot that happened to show up a year and two months later. Stay away from Embrace. I have been a customer of USAA for over 22 years and they have done a horrible thing adding Embrace to their benefits list. I have now started using Spot Pet Insurance - listed by Forbes as the best. Ironically Embrace is number 10 on their list.
Insurer: Embrace
By: Quentin Collins
Easy, no-hassle claims
Easy, no-hassle claims. Just submitted the documentation for my pet in the portal and it was reviewed and adjusted without incident or nitpicks - a problem I faced with virtually every claim through my last provider, despite having coverage on my pets since they were <6 months old.
Insurer: Embrace
By: mimi
1st time submitting a claim
Once I learned what a SOAP note was and got that filed the claim was relatively easy. Two phone calls and both reps were pleasant and fun to work with.
Insurer: MetLife
By: Cynthia R
Reliable Company
I’ve had a couple claims with Fetch. They process claims quickly & pay quickly. They were for minor medical issues, but I never felt the company was trying to figure out how not to pay like many insurance companies seem to do. We haven’t had to deal with a major medical issue with our 2 year old Westie (and hope we never do), but we’re very happy with Fetch so far
Insurer: Fetch
By: Consumer
Extremely slow to process claims
Extremely slow to process claims. Stated when filing that the average claim processing time was 3-4 weeks. 4 weeks later I get a follow-up email With an apology stating they are working on claims as fast as they can. I checked today and still has not been processed or even looked at and the processing time has now changed to 35 days. I I'm now unsure if this will be an ongoing issue as an attempt tonot Pay claims. I will follow up on any claim Is processed to see if i can get reimbursed for at least a portion of the bill i
Insurer: ASPCA
By: Kerri fugr
I haven't made my cats appointments…
I haven't made my cats appointments just yet to have an opinion of you guys just yet but I have 2 out of my 6 cats and 1 kitten yet to do. Just made 2 of their appointments which are coming up in the next week, and until then I feel positive that it will be an overall good experience.
Insurer: Spot
By: Allyson Ryan
Quick claim process
Quick claim process. Great customer service
Insurer: ManyPets
By: customer
Claim Filed Quick & Easy
Easy to file my claim and payout came before my charge was due on my credit card. That helps a lot!
Insurer: Fetch
By: Peakoch
Scanning and sending invoices
Scanning and sending invoices from the vet is simple and the review and reimbursement is quick.
Insurer: Embrace
By: Ruben Roman
Worst insurance company
Worst insurance company. It's been nothing but headaches since we have gone with them. Always say they are going to cancel our insurance for Non-payment yet we have proof they never tried to take the payments out of our accounts on the dates they said or at all for that matter. This is now the third time they do this. Seems to be every 2nd or 3rd month they say this to us. To add the money has always been in the account for them to take the payments. They don't. Then they send an email saying they are canceling
Insurer: Sonnet
By: Morgan Flaro