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Penalized for using insurance!
I've had them for over 4 years, and now they've changed my policy to increase my deductive and lowered the reimbursement limit because I'm considered "ultra high loss" LOL. So you get insurance, your pup has issues and then you get penalized for using the insurance! So don't go with them, shop around and find someone else.
Insurer: Fetch
By: Bob
User Friendly
Choosing from policies offered was very easy. I haven’t yet taken our kitties in for the check up yet, so I haven’t experienced the reimbursement part of it. I did download the app, so I’m ready to go. I’ll keep you posted on the later, but I’m confident everything will be efficient.
Insurer: ASPCA
By: Shannon Meyers
Embrace is responsive
Embrace was quick to review my claims and reimburse me.
Insurer: Embrace
By: Julie
I have not had to use this policy yet
I have not had to use this policy yet, Fetch was recommended to us. Happy to have it. Super helpful when I call.
Insurer: Fetch Canada
By: Audra Howe
Steer clear of this company at all costs!
I recently submitted a claim for my dog, Koru. He was diagnosed with cancer and X-rays showed a huge mass on his heart and lungs. I have full coverage that includes cancer and treatment, but Embrace denied my $5000.00 claim because Koru had a cough seven months ago which was diagnosed and treated for. When I showed the vet the explanation of why my claim was denied, she said there’s no way my dog could’ve survived with this growth on his heart and lungs for the last seven months and it had nothing to do with his cough which was treated! I’m unable to afford treatment for my dog and as such have had to put him down. Thanks for killing my dog Embrace not Pet Insurance!!
Insurer: Embrace
By: Matthew Gardner
The claim was paid really fast
The claim was paid really fast, and customer service is top notch.
Insurer: Pumpkin
By: Dave Ger
Read the fine print
Read the fine print! Paid monthly and annual premiums for a couple years. When I finally submitted a claim, for two dogs. I was reimbursed $16 on a vet visit that cost me more than $800. It's a bit lame that I can't reply to the Fetch reply (shown below), so I'll add context here, based on their reply. Correct, I was not reimbursed because it was not in my policy. That's why my title is "Read the fine print," and not "Do not use," etc. To pay more than $50/month (well over $500/year) for a policy that covers NO regular (necessary) wellness visit expenses is a waste of money to me. 🤷🏼♂️
Insurer: Fetch
By: Greg Smith
False Information
I spoke with a representative before starting my account and directly asked if any future bloodwork, allergy shots, and ear infections would be covered under my policy. I was concerned because while my dog did not have any conditions at the time, she had previously had issues with allergies. My vet confirmed that she was healthy at the time of starting my policy. I was explicitly told all of that would be covered under my plan. When I submitted a claim for bloodwork due to my dog’s odd behavior and allergy shots for a rash she was exhibiting, both were denied. After talking to a customer service representative, she claimed that since my dog had an ear infection previously, all allergy related issues would be counted as prior conditions. She also said that bloodwork was not covered even though the representative originally told me it would be. I had heard rumors of Pets Best being a scam, but I decided to trust the representative anyway. This experience definitely verified these rumors.
Insurer: Pets Best
By: Madison
I have been with Trupanion for 12 years…
I have been with Trupanion for 12 years and i can say that they have always been good with covering for most of the issues my Dog has had but i lost my dog last week and i just got back my claims processed and found out that they do not cover cremation. I want to alert everyone to read your small prints carefully because most of us don't want to think of the time when we will need to do the inevitable but you will not be covered for any cremation. I called to ask about it and i was told that Trupanion only covers any costs for the pet if they are alive. Sadly this is not the experience i wanted to end with cause i did recommend this company to a few of my friends but going forward that will not be the case. I am writing this review for all pet lovers to take the time and read the small prints and ask questions before you sign up because premiums go up quite a bit over the years.
Insurer: Trupanion Canada
By: Christine
Beleive you pay for a great service
Pets Best is a company that really make you trust insurance industries. NO SCAM
Insurer: Pets Best
By: Ted