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Irene is very professional.
Irene is very professional.
Insurer: Prudent Pet
By: Adam Chen
Unless your puppy just came out of the womb don't go with Embrace
Embrace Pet Insurance is highly rated all over the web, and they are even a chosen partner of USAA (of which we are members). They give multi-pet discounts and were recommended the best deal for my aging dog. What looked promising on the outside differs from that once you are a member of this company. They will go to whatever lengths necessary to question and deny your claims. I would not recommend this company to anyone who has ever taken their pet to a veterinarian and/or has any kind of medical history. Health conditions that seem unrelated? They will dig through your pet’s medical history, find a connection, and refuse to reimburse you. I had a 10-month-old puppy for whom I enrolled with Embrace at six months. He swallowed a squeaker a few weeks ago. I took him for scans and imaging, which were inconclusive. But we knew after an exhaustive search of our home he ate it, and we saw him eat it. Embrace refused to cover these items because I had taken my puppy in for vomiting before signing up for Embrace, which was labeled a “temporary pre-existing condition” for one year. Because he swallowed a foreign body and was vomiting due to it, any treatment was considered a “pre-existing temporary condition.” Just this week, an endoscopy located the squeaker, they removed it surgically, and now I have to go back and dispute that initial exam that involved x-rays and imaging. I’m also crossing my toes and fingers that they will cover the removal of the squeaker and not find that he has a “temporary pre-existing condition” of being a puppy who swallows stuff. This week, we had to take my six-year-old dog in for lethargy and not eating. I submitted the claim, and now they are doing a review of her medical history 12 months before signing up her up for Embrace. I’m sure they will find something. They must have thousands of adjusters locked up in a big warehouse somewhere pouring over pet medical records. Yes, these claims may eventually all be covered, but I’ve spent a lot of time and heartache requesting letters from vets, asking they follow up with Embrace, and on the phone with Embrace. Even if they are covered, I will likely return to Healthy Paws, which I wish I had never left. Moral of this story: Unless your puppy just came out of the womb, don’t go with Embrace.
Insurer: Embrace
By: Nancy Sprague Levesque
Great Company to Work With
So far the process has been so easy. Customer service is always willing to help. Communication is great, the app is user friendly. Cant say enough about how fantastic this company and their staff are and im so glad i got pet insurance.
Callie's UTI Claim
My claim for $905 actually paid $977, more than I had anticipated, some injections I thought would not be covered were actually covered, thank you! The process time was adequate, since I retired as an insurance adjuster I fully understand staffing issues and workloads. The detailed spreadsheet provided explaining payment was much appreciated!!
Insurer: Pets Best
By: Dennis
This company is a giant RIP OFF
This company is a giant RIP OFF. They will always find a way to NOT pay a claim filed on your pet. Very expensive and you get NOTHING in return. I cancelled my pet policy and DO NOT recommend anyone getting this policy!
Insurer: Embrace
By: Robert donaldson
Did not get my 70percent yet
I did mail the paper for the 76er cent for the amount of 105.00 the claim formed was sent to you two weeks ago,please send the amount owed to me. Thank you, Jeanette GRobinson
I had to cancel my coverage for a…
I had to cancel my coverage for a couple of reasons, including choosing to euthanize my wonderful 18 year old dog, Alberta. The process was easy and straight forward. Thanks.
Insurer: Pumpkin
By: Amanda Z
Saved my dog and me!
I have Trupanion since my dog was 2 months old. I have not really utilized the insurance benefit until she gets to 3 years old. So, I was wondering if I should cancel the membership since my dog was so healthy. However, my dog started limping all the sudden. Our vet suggested me to have her knee surgery as soon as we can. I was worried about the cost, but Trupanion insurance helped a lot. In addition, our vet directly sends a bill and pre-surgery cost approval to Trupanion. So, I just needed to pay my coinsurance portion to the vet. I was surprised how fast Trupanion approval process was, after our vet sent the bills to them. I am so glad to have Trupanion insurance.
Insurer: Trupanion
By: Emily
Quick, Stress Free Reimbursement Process
I've had a little too much experience filing emergency medical claims for my dog this year, but Embrace has made the process of filing claims and getting reimbursed quick and stress free. They have also been very good about honoring their commitment to cover allowable medical expenses under my policy. I would definitely recommend them to all of my friends looking to buy pet insurance.
Insurer: Embrace
By: Rebecca Stein