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Incorrect interpretation of results, leading to multiple denied claims for the same problem
First, let me start by stating that I have had a TERRIBLE time with Embrace. My dog Otter was diagnosed with neck pain, and the two claims were denied because he was in his orthopedic waiting period. When my vet appealed, they were still denied, because it might be orthopedic. When he was taken to a neurologist (claim #3 - for the same issue, now to a specialist), and they found meningeal enhancement (and even performed a spinal tap to determine the cause), they denied the claim - why? Pre-existing condition - of a neurological issue that might be orthopedic (but is clearly not). How do I know? Because I have a PhD from the UGA College of Veterinary Medicine, and I reviewed meningeal enhancement (the diagnosis), which is undoubtedly a neurological issue. The neurologist even wrote that there was no orthopedic involvement in the notes! How does a neurological issue of meningeal enhancement that starts four months after the policy started become "Anxiety and Abnormal Behavior" to the claims adjuster, which are conveniently not covered? Otter is doing better now after a course of prednisone, many thanks to the neurologist that treated him and absolutely no thanks to Embrace.
Insurer: Embrace
By: Andrea
Great Insurance Company
This is my first experience with insurance for my pet. Luckily I have not had to use it as all of them have been in good health. I tried this and I have to say it's a great company. They made the process so easy and they took care of everything.
Insurer: Trupanion
By: Georgianna
10/10 Recommend
Excellent experience with Trupanion, easy claims process, helpful staff members, and quick turnaround times!
Insurer: Trupanion
By: Molly Fowler
Easy way of comparing rates and what…
Easy way of comparing rates and what was offered
Insurer: ManyPets
By: customer
Thank you for making a difficult situation much easier to handle.
Our 11 year old family member Murphy (dog) was diagnosed with osteosarcoma in January. Our difficult decision on how to proceed was made so much easier due to Trupanion. We didn’t have to think about anything but what was best for him. The customer service team and claim system has been nothing but wonderful and easy to deal with. Claims are so quickly processed and reimbursed that I was actually surprised the first time! Thank you!
Insurer: Trupanion
By: Jonnelle
So impressed with reimbursement experience!
My pup had his one year vet visit & I submitted my reimbursement form through the app. It was approved within 20 seconds & the money was in my checking account in 24 hours. So impressed! Simple & easy to complete & submit. I researched so many pet insurance companies and am so glad that I chose Lemonade. Highly recommend!
Insurer: Lemonade
By: Kelli
Website is glitchy
Website is glitchy. Will not upload any of my documents for my claims.
Insurer: ASPCA
By: M.D.
Happy!
Very useful doesn't cost all that much either.. happy to have ASPCA as my dogs health insurance provider.
Insurer: ASPCA
By: Morgan