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Simple. Simple. Simple!
Simple. Simple. Simple! Love how easy it was to sign up. I recently submitted my first claim and guess what? Simple! Got my funds direct deposited within a few days.
Insurer: Spot
By: Crystal Z
Do your research before committing
For one of the top tier pet insurance companies out there, they really try their best to take every dollar from you. My dog has been to the vet for the same ongoing issue 4 times over the past 2 years and still gets charged a deductible for the same issue. My vet submits an appeal but Trupanion always comes back with, the vet could not provide sufficient amount of a medical connection between the visits, therefore you will be charged a deductible. Last visit to the vet cost me $480 and got back $111 and I wasn't charged a deductible this time.
Insurer: Trupanion Canada
By: Permvir Chohan
Fast turn around time with my claim
Fast turn around time with my claim
Insurer: Spot
By: Denise Padilla
Act Now or Regret It Later
A few clicks of a mouse and you're fur baby is covered.
Insurer: Trupanion
By: Sharon
Our dog had to have her gallbladder…
Our dog had to have her gallbladder removed with no time for pre approval. We submitted our claim and were reimbursed in about a week We were so thankful we had insurance and Embrace made the process so easy. Thanks
Insurer: Embrace
By: Daniel Charna
Disappointed ☹️
I have had this insurance for my pup for 6 years. I have put in only two claims. One last year after his annual physical for $217. My reimbursement was $70. This year after his physical and needed vaccines and lab work. The bill was $342. When I submitted my claim, they asked for his health records for the past six years. Why???? After receiving the records, they had the nerve to reimburse me $70 again. Why do I have this insurance for. I can just open an account for my pup, put the current monthly premium ($1,448) in that account and use it for his health care., this makes more sense than giving them my money. I choose ASPCA, because I thought they would be more reliable, I guess when it comes to money no body is.
Insurer: ASPCA
By: Adele Firmin
Automate Review Process Highly Inaccurate
On 1/31/24, I submitted 4 claims for my dog. One claim was handled correctly. One was mishandled. Two were automatically denied as duplicates, which they weren't. In addition, a new claim was created inappropriately for services I never claimed. To address all these problems, I had to call Embrace four separate times. Each time, the Customer Service Representative (CSR) was knowledgeable and helpful. What I realized was that the automated systems in place work very poorly. Specifically, the automated system cannot handle documentation for more that one Date of Service at a time. That is fine. However, the instructions should be clear for owners to include documentation for only one Date of Service at a time. Drontal Plus is typically a preventive medication. However, my dog was on it for treatment purposes. My claim was initially denied automatically because Drontal Plus was the medication used. I supplied appropriate documentation to justify that Drontal Plus was being used as a treatment. I had to call to request an adjustor read the documentation. I should not have to do that. I had two claims for Drontal Plus denied, despite providing documentation that is was used as a treatment medication. After I called to request the first claim be approved, it was. However, the second claim was automatically denied. I had to call again to ask an adjustor to review the second claim, even though a virtually identical claim had just been approved. My suggestion is to have qualified human adjustor review the cases until the automatic processes are accurate. At this point in time, the automatic processes are highly inaccurate.
Insurer: Embrace
By: Stephen Wintermeyer
I was surprised that you had to pay…
I was surprised that you had to pay $500.be fore you get any back.YOUR INFO WHEN SIGNING UP DID NOT SAY THAT. That is my only negative. Anyone that i have talked to has been very kind and knowledgable. Ihank you.
Insurer: Spot
By: Charlotte Stickle
Easy to submit claims
Easy to submit claims, but asked for additional paperwork that was not initially required and took a while to process.
Insurer: Spot
By: Hojoon Hwang
I have had several other pet insurance…
I have had several other pet insurance policies. Spot pet insurance actually does what the policy states. The claims are very easy to file on the app & the turn around time on the reimbursement is timely. EOB are clear & easy to understand
Insurer: Spot
By: Debra