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Avoid Embrace at all costs
Avoid Embrace at all costs. My dog was a rescue, and over the course of her life, I paid Embrace over $5000 in premiums and only had two claims approved, for a total reimbursement of around $400. Even worse, I was told after the fact that one claim was approved in error. The reasons for denying claims are extremely shaky -- their adjusters will look for any anomaly in the dog's medical history or bloodwork and use it as a blanket denial for all subsequent claims for the rest of the dog's life. Due to a single anomaly on a blood test when my dog was 7 years old (that resolved on her next bloodwork), Embrace denied all claims relating to her digestive system because a symptom of the bloodwork anomaly was "nausea." This included vomiting and illness after ingesting a candy bar, which required emergency care. I appealed multiple times and was rejected at every turn. They made the process as difficult as possible, and they're more unpleasant to deal with than human health insurance companies, which is saying something. There is no circumstance in which I would ever recommend someone consider them for pet insurance.
Insurer: Embrace
By: Jordan
They’re fine
They’re fine. I think they’re comparable in price to other providers, although I feel like a lot is not covered but that’s just how insurance works I guess. The biggest reason for 3 stars is that the lead time for claim processing is very long, and has been this way for a while, it’s not just temporary. I have friends that get their claims processed within the week, and with Pet’s Best, I’m typically looking at at least 3 weeks…
Insurer: Pets Best
By: Christa Morris
Spot actually cares!
I have two cats and keeping them healthy and happy is my number one priority! One of my cats recently got sick and I had a hefty bill, it is shocking when it feels like people in the animal industry care more about the bill than the animal. Luckily the Spot team was a huge help and with every conversation I feel like they actually cared about the health of my little ones.
Insurer: Spot
By: Chloe
I initially was unsure about pet…
I initially was unsure about pet insurance... the Spot team was very receptive to my phone calls and made the set-up process very easy!
Insurer: Spot
By: Sally Arneson
I really like how the app and website…
I really like how the app and website are really easy to navigate and how easy it is to submit claims.
Insurer: Figo
By: Phillip-Orem,UT
Great customer service and throughly…
Great customer service and throughly answered questions
Insurer: Prudent Pet
By: Brande Spencer
Nationwide is the only exotic pet…
Nationwide is the only exotic pet insurance in the US and I am grateful for them. It allows me to offer all available treatment to my pet rabbit Rose for her arthritis and give me peace of mind for my rabbit Koa.
Insurer: Nationwide
By: Sui Nieh
I haven’t get the first app for luna
I haven’t get the first app for luna And I don’t know where to go , or what card I need for her app?
Insurer: ASPCA
By: Nancy Carrillo
New Policy
I haven't had to use this policy as it doesn't become effective until 03/31/23. So far I have received the policy and that's it.
Insurer: Pumpkin
By: Steve Wilson