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I purchased both Wellness and Illness…
I purchased both Wellness and Illness coverage for my 2 cats. Two months later, after manually providing all the vet records requested, they were still requesting records before claims could be processed. They insisted my cat saw a vet he never saw. They pulled out terms from the records and misdiagnosed conditions, such as "dilated pupils", calling them pre-existing conditions. These had nothing to do with any of the claims, which were for simple things like ear infections and teeth cleaning. Only one claim was ever approved. In the end, I found it more cost effective to save the $169 month rather than pay Embrace for no services at all. I cancelled the policy. However Embrace did not stop. They continued to bill me and contact my vets asking for medical records (which had already been provided). After three phone calls, I hope this stops, but the last call was this week. I told them I will file a BBB complaint if this continues. Update: Even after the reply from Embrace below, they pulled more money from my account on March 30th. This is over 30 days from my policy cancellation and against the law. There are no more claims to process. I am filling a complaint with the insurance commissioner.
Insurer: Embrace
By: Elizabeth Ellis
Was very helpful explaining policies…
Was very helpful explaining policies since I know nothing
Insurer: Trupanion
By: customerdonna endresz
algonquinc@gmail.com
We have had Pet Plus US for 11 years now with our cat then when we got our dog we added her. The customer service is amazing, always able to speak to someone when you call and the are very helpful. The claims are very easy to file if need be and minimal amount of paperwork. we highly recommend pet insurance for any of your furry friends and obviously with Pet Plus Us! 5 stars for sure
Insurer: Pets Plus Us
By: LORIANNE
Insurance works!
I've had this insurance for my dog for about a year now. So far, it has covered 2 annual exams and one emergency visit. Submitting a claim is easy but must be done on your phone (so if you're not technically savvy it may present challenges). Payment is quick and directly to my attached bank account so no waiting around for checks to deposit. On top of that, they cover my veterinary clinic, which I love, so all the better. Definitely worth checking into if you have pets.
First Claim Processed - Easy and Fast
I had another insurance previous to this and this claim was easy to process and easy to get reimbursment. Must better experience.
Insurer: MetLife
By: ANN
Insurance is comprehensive and…
Insurance looks comprehensive and economical
Insurer: ASPCA
By: Stephen J
Easy to resolve a mixup …
We have been to multiple specialists over the past 2 years with our Lab mix for different issues. We have not had one claim denied or questioned. That has been true since our first Lab in 2011! Most recently there was a mixup with an invoice that ended up being a duplicate claim and we were being reimbursed twice. I called Embrace as soon as I received an email saying the bill was being covered again. I wanted to be honest with them about it and Sarah was able to look into it and figure out what needed to be done right away. Submitting claims through their app has made the whole process so easy. I tell everyone that pet insurance is important to sign up for as soon as they get a dog. Of course, I recommend Embrace to them and a number of friends have done so!
Insurer: Embrace
By: Kate
Easiest insurance claim I have ever…
Easiest insurance claim I have ever filed.
Insurer: Spot
By: J. Offutt
They reneged on what they agreed to pay for
Update: Just read their response. Wow. I sincerely hope that the people who read their response know PR tripe when they hear it. Bottom line - this is a prescription diet - P R E S C R I B E D by the licensed veterinarian of many years in a reputable veterinary practice. Bottom line - the verdict is the same. What I get is patronizing, repetitive air garbage that is nothing more than a prescribed (pun intended) response on a computer screen would dictate. We will be canceling and moving to a different insurance company, knowing, of course, that my fuzzy grandchild's condition will not be covered by the new company, as it is now a pre-existing condition. So Trupanion has screwed us over in THAT regard, as well. ************************************************************ The company agreed to pay their portion of my cat's diagnosis. We had tried multiple medicines (treatments), to no avail. The vet then PRESCRIBED prescription only diet. It took a bit, but whatever is in this food, treated her condition. The policy covers food for only 90 days; but, it's the only thing we've tried that treats her condition. Even tried going back to otc food, for sensitive digestion, but the diarrhea started up again. They refuse to negotiate. Ultimately, they are refusing to fulfill their obligation to pay their portion for her treatment. Who cares if it's in the form of food. It works. Nothing else did that we tried, medicines. You can't get to anyone that will talk as a human being and not some brainless robot. The food is a prescription. Period, that treats her IBS. Typical insurance practice.
Insurer: Trupanion
By: Beck