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Our experience was poor with Embrace
Our experience was poor with Embrace. The issue is an overly broad interpretation of any symptom or complaint being used to declare any diagnosis as preexisting. Our 1 dog had been noted by a conscientious vet as being witnessed to lick her vulvar area. She later suffered a urinary tract infection many months later which was excluded from coverage. I don’t know of any dogs that don’t lick in that area so therefore UTI s and their side effects should just be excluded up front. Essentially if you have a conscientious vet you will be left uncovered for years to come. On the issues they occasionally covered they did a passing job. For the most part it is like not having insurance
Insurer: Embrace
By: Frank Lamm
Not worth the cost and uncaring
UPDATE: The company’s request that you call customer service for help with any voiced concerns is a BOGUS and generic copy/paste response. When I called the line, no one had any idea what I was talking about. My favorite thing about Pets Best is that they have a 24 hour line for medical concerns that is staffed by a vet tech. Otherwise, financially- What I have been reimbursed over the last four years has been far less than what I pay in premiums. It would be helpful if they made an effort to remind pet owners that certain exams or interventions are due at a specific time in order for any subsequent illness to be paid for (for example, you need to subject your pet to anesthetic dental cleaning starting at 3 yrs old even if their teeth are fine, because if something ends up happening afterwards then they won’t pay for it. This happened to me after my boy went from healthy teeth to plaque fast, and I was told by an agent that I now need to pay for costly dental cleaning on my own). The prescription formulary list is pretty small, medications are rarely reimbursed. You would fare better saving your monthly premium into an account to use for when you need routine pet care. Anything seriously costly after that can easily be paid back using a service like Care Credit. If you have a holistic pet store by you, their consultations are usually free with the purchase of the products to help your pet- do that replaces the vet line and comes from a healthier approach. Save your money.
Insurer: Pets Best
By: Lauren Tanamá Guatu Anarix
Highly Recommended
I was a little worried after reading a few of the negative reviews for Pets Best, but I had no problems at all. I submitted my paid invoices for my dog's vet visit as well as his subsequent surgery and was reimbursed within a few weeks. I am so glad I decided to purchase pet insurance and definitely recommend Pets Best!
Insurer: Pets Best
By: Stacy
Must Have
Pet health insurance is essential. Nationwide covers so much and is is so easy to file a claim. They cover your pet worldwide. The claims are paid in a very timely manner. I highly recommend.
Insurer: Nationwide
By: Candi
Better Life for Doggy Daddy
This is my 5th dog to be insured thru Nationwide, the first that isn't a boxer, a breed that tends to require extra veterinary care. In all cases, knowing that insurance coverage was in force decisions to treat or not to treat was based on what was best for the dog, not how much I would be willing to spend. Having it has made the quality of life better for both dog and human!
Insurer: Nationwide
By: Neal
Pays better and quicker than most human policies
We bought a policy in 2016 for a puppy who was born late 2015. After the processing period, our puppy lived seven years. Sadly too short for us but Embrace was there every step of the way! We just purchased a policy for our new puppy. Process took like ten minutes. Wouldn’t be without it.
Insurer: Embrace
By: Rhonda B
Great Experience, outside of the usual pet insurance limitations.
After having Healthy paws for 5 years without much of a need for them, my dog began having spinal issues and IVDD surgery twice which I was billed $9k each time! The first time expensing it to Healthy Paws was a little bit of an effort since they do need the official full historical report from your vet before paying anything out. However, the second time was seamless--I had made 5 easy claims up to the point of the surgery and they quickly paid me out each time, all they need is the official invoices. Something important things to be mindful of that may result in disappointment--but I think these are the case with any pet insurance: 1. As far as I know--they do NOT COVER PRE-EXISTING CONDITIONS or VISITATION FEES. The first is a bummer, the latter can rack up without realizing it. 2. Once you make a claim, you can't change your plan, so you're either locked in, or go somewhere else that won't cover any new pre-existing conditions that occurred while covered here. Outside of these, Healthy Paws really has great customer service on the phone every time I've called, and they've paid out quite quickly and efficiently on every claim.
Insurer: Healthy Paws
By: David
Top Notch Customer Service
Sydney was wonderful, so polite and professional and an absolute pleasure to speak with. She answered all my questions and provided literally the best customer service I have received in a decade. It is very clear that Petpartners and Sydney are focused on the people they serve.
Insurer: PetPartners
By: Janet
Excellent Insurance
I have been a customer for 5 years with my 3 dogs. Healthy Paws has been a life saver for us. I love the ease of submitting on line claims and how quickly they process claims and reimbursement where warranted.
Insurer: Healthy Paws
By: Jill
Very helpful insurance representative…
Very helpful insurance representative at ASPCA claims department. Continue to have issues on claim site but had a very positive experience.
Insurer: ASPCA
By: Stephen Kueny