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This is the first claim I have…
This is the first claim I have submitted to Embrace, the customer service has been excellent. My claim was paid within three days after my submission. I am very pleased with the service from Embrace.
Insurer: Embrace
By: Marilyne Nickerson
Would definitely recommend
Made shopping for pet insurance a breeze. The comparisons were extremely helpful. The customizable options were great too!
Insurer: Prudent Pet
By: diamondsmom
Spot pet insurance for my cats
I actually refund about 40% of preventive care for both my cats which cost over 600$. So far loving Spot Pet Insurance! Submitting claims were easy, processing a bit slow but not too bad! Mike T
Insurer: Spot
By: Michael Truong
Dog insurance made easy
The claims process is easy and the prices are comparable to others. I have had no issues.
Insurer: Spot
By: Gigetta Spear
Fast and easy claim process
Fast and easy claim process
Insurer: Spot
By: Hannay Chan
My question was never answered as to…
My question was never answered as to how do I report visits to Pumpkin for reimbursement. Maybe if someone would contact me with an answer I could give a better rating. If not, I’ll be cancelling with Pumpkin and looking elsewhere for pet insurance. The amount I’m paying in insurance monthly would be better used as savings for when my boys need to visit the vet.
Insurer: Pumpkin
By: Wendy
Website is easy to navigate
Staff is always friendly and knowledgable. The website is easy to navigate. Claims are processed quickly and efficiently. We've been a member for over 12 years and would never switch.
Insurer: Trupanion
By: Anne
Insurance is great but gets very…
Insurance is great but gets very expensive for old purebred dogs. Their website is a bit useless. I've been kicked out of it for two months because of some widespread problem they apparently had, and now nobody can fix the issue and get me access. I've called six times - always told it will be fix but it never is. They do give you a way to submit a claim without the site, but I can't see status of past claims and when I call about an unpaid claim, sometimes they say there's no record of the claim. For a company the size of Nationwide, you'd think they could fix a data issues with their site, but they can't. Be cautious - maybe look for better options.
Insurer: Nationwide
By: Jeff Muschar
Paid Only After Pressure – Serious Concerns About Practices
I’ve been an Embrace customer for a couple of years, and my recent experience was eye-opening. When my dog needed urgent spinal surgery, the company initially denied basic diagnostic claims. They pointed to a temporary limp from hard play 18 months ago as a chronic spinal condition. The worst part is they added that condition after providing me a complete medical history that had no orthopedic pre existing conditions. They denied the claims then added the pre existing condition. Only after I escalated to executives, filed complaints with the Georgia Department of Insurance and the NAIC, and involved USAA (who recommended them) did they reverse course and eventually approve over $9,000 in claims. Along the way I documented: • Post-claim underwriting – adding new “pre-existing” items after issuing a clean medical history. • Burden-shifting – language in their policy that tries to make customers prove a negative before coverage is restored. • Misrepresentation of a medical record – statements about when they received my vet’s files don’t match the written evidence. • Overbroad exclusions – attempting to block all future skin conditions based on two benign bumps. Yes, they ultimately paid, but only after weeks of pressure. I’ve submitted formal complaints to regulators so they can evaluate whether these practices meet Georgia’s insurance-standards. Pet owners deserve straight dealing, not shifting explanations after you’ve already paid for care. I will be looking for a new provider for my younger dog.
Insurer: Embrace
By: Ed Dombrowski