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The Fine Print
It's really unfortunate my pet became ill shortly after I switched insurance providers, essentially disqualifying him from all future claims. I'm mainly to blame for not reading the fine print and keeping my old policy during the waiting period (if that's allowed), but here's what I could have reasonably expected. 1. A shorter review period: It took over two weeks to hear back when the date alone should have resulted in a denial of the claim in an automated way. 2. Clearer disclosure of terms: The policy effective date isn't when policy coverage actually starts. It starts 15 days following. For joint related issues it starts 6 months following. I put in a lot of time to put the claim documentation together and didn't expect to be over 4000 dollars behind after waiting. Ideally the portal shouldn't have even let me submit. There should also be an initial option selection for joint health related claims when filing within 6 months of signup where the portal automatically denies the claim. At the very least that information should be presented in a clear way upon sign-up. Given their response to my inquiry, any clinical symptom during the waiting period can be associated with any later health condition, disqualifying coverage. In my case, my pet having an upset stomach and potential immune condition or arthritis got grouped into a health condition that can overlap with just about anything later. "A pre-existing condition is any medical condition which first occurred or showed clinical signs before the effective date of your policy or during the 15-day waiting period. (By "clinical signs," we mean any changes in your pet's normal healthy state, bodily functions or behavior.)"
Insurer: Fetch
By: Joe
The txt messages were user friendly but…
The txt messages were user friendly but the format was not appealing.
Insurer: ASPCA
By: Denali Guevara
Kyann was fantastic
Kyann was fantastic. She was informative, courteous, and patient with my questions. Thank you for having such a valuable employee. Only one issue, I discovered after our call that my premium went from $40 to $54 on my pet Chase. This was not mentioned to me during out phone call. I am concerned.
Insurer: Fetch
By: Maria Lipscomb
You overpromise and under deliver
You overpromise and under deliver. By design. For profit. Your customers' pet's well-being is not your highest priority. Maximizing your profits is. It is your entire busines model, in fact. Everything else is marketing and PR. Our pets are very important to us. You guys are soul-less business & law school predators. Sleep well.
Insurer: Figo
By: LuckyRAC
First Time Claim Was Very Smooth!
This was the first time I submitted a claim. Doing so online was very fast and easy. Once submitted, the Embrace team sent me regular updates about the process of reviewing the claim and I felt well-informed all the way to claim settlement, which was done very quickly. A very smooth experience!
Insurer: Embrace
By: Scott
Pets Best always pulls through
Pets Best always pulls through. They've made caring for my sweet pet stress-free. I have told all my friends this is the team to have on your side! Janice M
Insurer: Pets Best
By: Janice M
Very very unsatisfied when to call in…
Very very unsatisfied when to call in to do a claim on my dog was informed they couldn't do the claim and I had gotten the policy January the 6th the diagnosis was January 6th and said that they couldn't do the claim because of that well I canceled it and I wouldn't recommend anyone to go with this company
Insurer: ASPCA
By: leslie
very fast to activity
very fast to activity， nice cover plan
Insurer: ASPCA
By: ling zheng
Trupanion
Trupanion is an awesome company. They are always extremely helpful and caring for my dog. They have a fantastic staff.
Insurer: Trupanion
By: robin glazer
Best Pet Insurance!
I have had Embrace insurance coverage for at least 9 years for 3 of my dogs and have been extremely happy with the coverage and the customer service I've received. I had one dog with pre-existing conditions going into it (I didn't insure her as a puppy), but I was aware of that and knew what to expect when it came to what was covered and what wasn't. My other 2 dogs I made sure I insured as puppies so they've been fully covered with no pre-existing conditions. Embrace has covered orthopedic surgeries, cancer treaments, allergy treatments, training, cardiologists, the list goes on. I won't be caught without Embrace!
Insurer: Embrace
By: Anglea Tietge