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Ask about SOAP notes or waste your time and money while your pet is not the main concern.
Customer service is very courteous. I adopted my puppy at 4 months and this is my third policy to cancel and she’s only 15 mo old. Lots of jumping through impossible hoops. No reimbursement. We live in a rural setting. She has never been injured. The problem is my vet does not use SOAP notes. The vet does provide medical records but not in the form all insurances require. FINALLY! This customer service made that clear. I can never have my pet claims reimbursed for a reason I learned after a year of premiums. We love our dog and our vet. The insurance constraints make her uncoverable. We hope to have her for years. Very frustrating as no one told me the SOAP requirement but gladly took my money. I had to research vet procedural requirements and contact my rural but wonderful vet to determine the problem. ASK YOUR VET AND YOUR PROSPECTIVE INSURANCE BEFORE YOU PAY FOR INSURANCE. Our pet is not uninsurable because of an unspoken requirement. 1) Your vet is an amazing practitioner but does not conform to the insurance software/paper compliance. You won’t ever receive reimbursement. 2) Your insurance company will not tell you up front that the SOAP medical records system is mandatory. Handwritten or typed medical records are useless to an insurance company. My beloved pet’s life and future pain unimportant to the insurance company because of our rural location. 3) What exemption will you discover? Having paid all her premiums timely, they were for naught. I suppose insurances will require Electronic Medical Records next. Which will truly be absurd. My pet is uninsured despite our efforts and great care. Buyer beware! Wasted money. No security for my girl. All because of paper compliance. I didn’t know to ask about SOAP to either vet or insurance company. I can guarantee you the vet prices will be higher if specific software is demanded. I’ve wasted far too much time on this already. My pet is still at risk! 4) Embrace did refund my first premium but I was not informed of SOAP requirements until I educated myself. The Fetch and Pumpkin companies continued taking my money while not paying claims. They never told me SOAP was mandatory. I educated myself and asked Embrace directly. Otherwise I may be in the same pay for nothing vicious circle.
Insurer: Embrace
By: Debby
I have only submitted one claim and it…
I have only submitted one claim and it was denied so I’m not sure what I am paying for. I just hope if there is an emergency I won’t be denied.
Insurer: Figo
By: Wanda Myers
We really loved our experience from the…
We really loved our experience from the moment we walked in the store. The staff was extremely helpful, caring and knowledgeable of all the puppies in the store. Definitely a family oriented feeling and they helped us find our new special puppy to add to our family.
Insurer: Prudent Pet
By: Robert Mahon
Embrace was there
Although it's never good to have an ill pet, Embrace was there to help along the way. Don't mistake the process - there are still precautions you have to take out to ensure you're getting help (keeping up to date on records, immunizations and documentation), but once reviewed, they were able to help with some of the hospital bills.
Insurer: Embrace
By: Marcos Rebollido
Irene is very professional.
Irene is very professional.
Insurer: Prudent Pet
By: Adam Chen
Great Company to Work With
So far the process has been so easy. Customer service is always willing to help. Communication is great, the app is user friendly. Cant say enough about how fantastic this company and their staff are and im so glad i got pet insurance.
Insurer: MetLife
By: Kim
Callie's UTI Claim
My claim for $905 actually paid $977, more than I had anticipated, some injections I thought would not be covered were actually covered, thank you! The process time was adequate, since I retired as an insurance adjuster I fully understand staffing issues and workloads. The detailed spreadsheet provided explaining payment was much appreciated!!
Insurer: Pets Best
By: Dennis
This company is a giant RIP OFF
This company is a giant RIP OFF. They will always find a way to NOT pay a claim filed on your pet. Very expensive and you get NOTHING in return. I cancelled my pet policy and DO NOT recommend anyone getting this policy!
Insurer: Embrace
By: Robert donaldson
Did not get my 70percent yet
I did mail the paper for the 76er cent for the amount of 105.00 the claim formed was sent to you two weeks ago,please send the amount owed to me. Thank you, Jeanette GRobinson
Insurer: Spot
By: Jeanette
I had to cancel my coverage for a…
I had to cancel my coverage for a couple of reasons, including choosing to euthanize my wonderful 18 year old dog, Alberta. The process was easy and straight forward. Thanks.
Insurer: Pumpkin
By: Amanda Z