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Nothing’s covered. Even with Coverage.
My dogs ear infection wasn’t covered because it’s … pre-existing. Still very confused on how that can be and why I’m even paying for this insurance when there’s no coverage 🙃
Insurer: Pets Best
By: T P
Just for my Rosy!
Ya'll stepped up when BIVVY closed.... thanks. Better coverage too.
Insurer: Spot
By: Holly
Tried to file a claim after months of…
Tried to file a claim after months of paying $100s of dollars and it’s been taking months for them for review the claim, no update even after many emails. My thoughts 100% scam. I even tried to email them to cancel the plan with no word after weeks.
Insurer: Embrace
By: Zuri Zoltan
Seems to be good
Seems to be good. My dog has a torn acl , and they are going to reimburse
Insurer: Spot
By: Dd
I can't believe I am giving an Insurance Company 5 Stars!
You purchase insurance for the unexpected. The times you can’t predict & the unfathomable expenses that come with them. Whether you go to a breeder or a shelter to find your spirit animal, you know that on average what you’re adopting will pass before you. The breed will come with sickness, accidents, routine care, & more. If you’re an animal lover like me you understood this before you signed on to be a caregiver of a such a beautiful spirit, one of God’s creatures. I paid for insurance for my baby for close to 8 years. She had the top of the line package with $30K maximum life, 10% co-pay, & annual coverage of $435 for dental & routine cosmetic care. This cost $135 month. Those who understand how insurance works know the beginning pays for the end, & that’s when you need it most. It’s also the most humane way to share existence with your animal, no different than yourself. Would you ditch your healthcare for a gun to the head because you got hurt? Why should the one you love be any different? Obviously there are exceptions to this, I understand that, but one of the nicest things my mother, another animal lover like me, said in the end was, “you did everything you could do, & that’s more than the majority of pet owners out there.” Crying on the phone that sentiment brought me peace. In under four months I watched $20K vanish from my account & I don’t regret a penny of it. The folks at @embracepetins were the most empathetic team I could have imagined. Yes, I’m talking about an insurance company. They pre-authorized $9K in 45 minutes in the ER for an MRI. Humans can’t do that! To me, my baby should have the same level of care as I do. Before you say economics, I kept her coverage active through multiple tours of unemployment income. That’s not easy. I cut meals, stoped driving, & more just to make sure she was safe. Right now I feel guilty looking at another animal breed online. If I went to a shelter I’d take all of the cats. I’ll own again one day, & Embrace earned a customer for life. After I pass too, because my will is going to require insurance for the animal if they want my shit. You may not agree with these beliefs, that’s ok, we are not dating. ✝️🇺🇸😿
The ease of submitting my first claim.
The ease of submitting my claim and speed at which it was approved and paid. Didn't know what to expect this beinng my first claim, but it progressed flawlessly!
Insurer: Embrace
By: Barry Stark
Great Pet Insurance!
Healthy Paws is great! We have used them for both of our dogs since they were puppies. They have saved us SO much money for smaller medical issues over the years. Recently, our dog had to have ACL surgery which cost $6000- Healthy Paws covered almost all of it. They also refunded us via direct deposit in 2 days. I am very pregnant, so this was very helpful to get the surgery paid off quickly. Their website is quick and easy to use. They even checked on my dog after the surgery. Would highly suggest!
Insurer: Healthy Paws
By: Kayla
Poor coverage and high prices
We got Embrace for our dog as pet insurance. It was difficult to contact them for account changes and it took a long time for our claims to get processed and denied. My husband and I both tried to add me to the account several times but they never responded to our request. Every claim we requested was denied coverage because it didn’t fall into a very specific series of requirements. After we moved states, they upped the price to $300 per month (!!!) without obtaining a confirmation that we were okay paying that rate and they still denied our claims. They work very hard at reviewing records to find ways to not reimburse you. We have spent thousands of dollars for coverage with $0 reimbursed. I’m in the medical field and the logic they’ve used to deny our claims would not fly for human beings. However, they get away with it by simply not being responsive to emails and inquiries. Again, I work in the medical field and this is the worst type of insurance that I’ve had to deal with.
Insurer: Embrace
By: J
Just had a 32% annual increase after an…
Just had a 32% annual increase after an 18% increase last year (5-10%annuals previously for 7years) that’s a 50% wildly outrageous increase over two years with zero explanation except “we calculate premiums based on veterinarian claims in your area” I’m sorry but this is unacceptable to saddle long term clients with wild hikes like this!!!!! Don’t get fooled by their fluffy and caring marketing! They only care about the monthly increase of funds coming into their bottom line! Beyond frustrated with this money grab increase! At least the girl I spoke with on the phone finish our unpleasant call with “well you have a great day and give Sable my love”????? I’m sorry your standard telephone conversations might need to be adjusted a bit for these situations! The sarcasm was less than appreciated from a client paying over $2000 a year now for your insurance (which by the way I have never made a claim against……) I’m researching quotes now from competitors and I will be switching ASAP!
Insurer: Trupanion Canada
By: Rose Foster
Trupanion has been amazing with our…
Trupanion has been amazing with our puppy of 3 years old. They've been helpful with everything the policy was to provide. Customer service has been extremely helpful when I've called in. I have no complaints... Amazing company who truly loves pets!
Insurer: Trupanion
By: Judy Gallion