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claim processing and payment
Unexplicable delay in processing and pay my claim. No-one has giving me any reason/explanation. No-one to contact to understand when can I expect reimbursement.
Insurer: ASPCA
By: Anna Addario
Confused Senior…
I am a senior and asked the very lovely gal at customs service to mail me the information rather then on the computer and she was more then happy to accommodate me! So far so good!
Insurer: Spot
By: Carol Lamoureaux
I gave them a 1 star because they…
I gave them a 1 star because they denied EVERY claim I submitted due to pre-existing conditions. I decided to cancel my policy after I submitted them a claim to have my dog's ears flushed out because he somehow got dirt and debris in his ears. Unfortunately, he has a history of ear infections, which the vet treats by putting medicine in his ears. This particular visit to the vet about his ears was not an infection, but Embrace did not cover it. Plus, I had never submitted a claim to them for this type of visit because this is the first time he was ever treated for dirt/debris in his ears. This is the response I got from Embrace: "Accident or Illness Claim: I am sorry to inform you that the diagnosis provided to us by your veterinarian for this claim is not covered under your policy because a dermatologic condition, allergic dermatitis, was noted in the medical records on 4/6/21, which was prior to the policy purchase. This makes dermatologic conditions (including but not limited to debris in ear canal) pre-existing. Based upon the pre-existing condition, coverage is not available for the claim presented. I understand that this email does not bring you good news. If you feel I am incorrect in my assessment and have additional information for me to review (such as additional doctor's notes or a statement from your veterinarian), I am happy to reopen Lucky's claim. If you could send me any additional information in the next 14 days, I would be happy to take a look." I did not bother filing an appeal because at that point I decided to look elsewhere.
Insurer: Embrace
By: Shirley Smith, Lanham, MD
They understood
Customer representative was very helpful and understood every question I had. Made me feel very secure in my choice of Trupanion.
Insurer: Trupanion
By: Scott
It was highly recommended by friends
It was highly recommended by friends. The registration was easy
Insurer: Trupanion
By: Irene
Reimbursement Amount
Thought the amount of reimbursement would be more.
Insurer: MetLife
By: Nathaniel
If you need help submitting your vet's bill to the Pet Cloud, just call them they'll walk you through it! They are so helpful!
I needed help submitting a vet bill for both of my dog's. They walked me through it when I called them. Great Customer Service
Insurer: Figo
By: Karen
First time using it
First time using it. Will update after my first experience. So far, so good.
Insurer: Spot
By: DogMom
Great customer service
Great customer service! I used to have Pumpkin as my pets' insurance and they had the absolute worst customer service. They starting charging me more for my policies w/o notice, they had atrocious customer service that took forever and a year, and once while asking about a change to the policy regarding direct pay to vet, they gave me the policy number, told me to look for it myself and ended the chat. ASPCA has been beyond words so much more helpful, quick, honest, trustworthy, and reliable. Please do business with a business that truly cares about your fur babies.
Insurer: ASPCA
By: Ciara Ley