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easy to submit claims
easy to submit claims
Insurer: Embrace
By: Samish Beach House
Be prepared for lonnnnggggg delayyyyysss
For starters, I've been with PB now for over 3 years, this is a systemic problem! I recently submitted a claim for my dogs ongoing internal inflammation treatment. While Pets Best's policy coverage is straightforward and the premiums are reasonable, the claim processing time is a major problem. It takes an average of 2-3 weeks (or up to 2 months in some cases) for reimbursement, even when all documentation clearly outlines that the claims stem from one condition. My friends with other providers like Healthy Paws get paid out in as little as 24=48 hours after approval, or Lemonade in 24-48 hours—that's the kind of efficiency Pets Best needs to adopt to stay competitive. Overall, 2 stars; great potential, but the slow turnaround is unacceptable for pet parents dealing with urgent health issues
Insurer: Pets Best
By: Eric W
Embrace is a scam
Embrace is a scam - they keep your "wellness" contributions if you dont' use it within the fiscal year. The wellness savings is marketing as a savings plan for your pet, but they don't give customers any warning about using the funds timely. They claimed they give customers verbal notice only of it. They not have over $200 of my money that is just for their own pockets. Cancelled my insurance with them
Insurer: Embrace
By: Bharati Narumanchi
Handling a Claim by Embrace.
Embrace handled my recent claim within 72 hours which is extremely fast compare to other insurance companies. Thank you
Insurer: Embrace
By: Paul S
Disappointing
Unfortunately, I find myself following in the same footsteps of many one-star reviews. Initially, I told everyone, who would listen, how happy I was with my Embrace Pet Insurance Policy. My policy started off at $47 per month and grew rapidly from there. By year seven, my policy with the same coverage, was $225 per month. By year eight, my monthly premium increased to $425 per month, that’s a 900% increase over the starting cost. Similarly, I was told it was because of my dog’s Breed and age. However, a quick price check with Embrace’s cost on-line tool, using the exact same parameters, zip code, age, breed and exact coverage (limits and deductibles) showed a $200 per month discrepancy. So clearly, I wasn’t being charged the going rate for my dog’s breed. Embrace customer service offered me one of their step-down “accident only” policies, which I accepted. My dog had a fall while swimming; afterwards, he was experiencing limping in both front shoulders. I submitted all three of my dogs visits, from a major Veterinary Hospital in Boston, to Embrace under the “accident only policy”. The Embrace adjuster denied all three claims, she concluded his fall and shoulder pain was caused by an illness. I appealed all three claims and included a personalized note from the Senior Surgeon, who treated my dog. The surgeon concurred with his Hospital’s Ultra-Sound Department, that my dog’s pain and limping were the result of an injury to the soft tissue of his shoulders. My dog’s treatment plan was based on a soft tissue injury. The Embrace adjuster denied all three appeals and she concluded that my dog’s osteoporosis arthritis, from his rear left leg (which formed after a ACL surgery) had spread to his shoulders and caused both shoulders to limp. The Embrace adjuster overrode a Senior Boston Orthopedic Surgeon and the Imaging department of a World-Class Boston Hospital. I promptly canceled my policy, as I knew that my disappointment with Embrace would only grow from here. I promised myself that I would circle back with everyone from my colleagues at Pfizer to my social media presence, to share my disappointment with Embrace Pet Insurance.
Insurer: Embrace
By: Michael Cooper
Trupanion stands by their policy benefits
Trupanion covered 90% of my dog's surgery bill. In addition, Trupanion paid the hospital directly so I didn't have to pay the full bill out of pocket and wait to be reimbursed later.
Insurer: Trupanion
By: Christina
Ease of filing a claim is excellent
Ease of filing a claim is excellent. Direct Deposit into my checking account is an added bonus.
Insurer: Embrace
By: Candyce P Long
Very poor reimbursement rate
Very poor reimbursement rate. Many exclusions. Submitted $315 for an annual visit with vaccines and 1 antibiotic, received $60 back. Did not accept initial adoption with vaccine invoice bc it was over 3 mo deadline. Terrible value for the cost.
Insurer: Fetch
By: Mere
Fast preapproval for emergency treatment
Trupanion quickly provided preapproval for my pet's hospitalization for emergency treatment of poisonous material. They came through at my time of need so I did not have to worry about being able to pay the bill
Insurer: Trupanion
By: Carol
Filed a claim of just under $6k after…
Filed a claim of just under $6k after my dog had bowl obstruction surgery. My claim was accepted and 90% of the claimed amount was deposited into my account literally the next day; probably less than 12 hours later. Extremely fast. I would absolutely recommend Pumpkin to anyone that has a dog or is thinking about getting a dog.
Insurer: Pumpkin
By: customer