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Looking for Pet Insurance
I recently adopted a Rescue dog. I was researching the many options there were to chose from. After speaking with their representatives I felt very confident about choosing Pets Best. I recently submitted two invoices with ease. I received an explanation of benefits for both invoices. I feel very confident with Pets Best Pet Health Insurance.
Insurer: Pets Best
By: Tammy Steuart
BUYER BEWARE - Coverage Drop at Age 7!
Just received my renewal after 10 years of covering our dog since he was a puppy. I've paid the expected rate increases each year. I've held a $250 deductible with 90% reimbursement coverage the entire time. This year my coverage is being unilaterally changed from a $250 deductible to $500 and the company is reducing reimbursement to 70% and of course they are raising my overall premium despite a significant reduction in coverage. After talking to customer service - it sounds like the company the company has made a broad decision that all 7+ year old dogs will no longer be eligible for the coverage limits. While young dogs can still sign up for increased coverage, there is a steep drop as your dog ages. My original thinking was that you select your Pet Insurance while a puppy and keep it consistent. You don't want to have to switch when they get older in case of "preexisting conditions" which create challenges for new coverage. This change backs you into corner. BUYERS PLEASE PROCEED WITH EYES WIDE OPEN. To Healthy Paws -- you used to be such a great and promising company in this space. This is so disappointing. To the leaders, based on my reading reviews, I'm not the first to have this experience. Your lack of honoring those who have invested in your past success - should have consequences.
Insurer: Healthy Paws
By: William Paco
Very easy to submit a claim
It's easy to submit a claim and upload all documents. The turnaround time is fast, and the explanation of benefits is very clear.
Insurer: Embrace
By: A. Martinez
Today I had the great pleasure of…
Today I had the great pleasure of Working with Fabrice during the process of Insuring our new family member "Teddy". He was extremely helpful while guiding me through the experience. The process was short and very professional...I would highly recommend Fetch Pet Insurance to anyone seeking the very best Pet Insurance available. Sincerely, W.M. Barnett, DVM
Insurer: Fetch
By: Dr. William M. Barnett
Great customer service
Great customer service
Insurer: Prudent Pet
By: ortegadavidyahoo.com
Ease of claim submission
Ease of claim submission, and quick claim settlement!
Insurer: Trupanion
By: Georgia
Never a problem
Never a problem, always smooth transactions. Allows me peace of mind and 80% reimbursement.
Insurer: Embrace
By: Tod Cagan
Prompt response & efficient handling of claims
I have a $1000 deductible, but send in claims for covered services & the turn around of the claims are rapid & fair. My dog is 7 years old & he has recently suffered some problems with leg joints. I carry the insurance in case of further issues as he ages. Seven isn't old but he is 74lbs, a bit overweight, something we are working to resolve. I would recommend Pumpkin to my friends.
Insurer: Pumpkin
By: Mary D.
Embrace stands as the number ONE pet…
Embrace stands as the number one pet insurers in America. Complete coverages available to meet everyone’s financial means. Very fast turn-around once invoices are submitted. Very easy and pain free in every transition.
Insurer: Embrace
By: Wayne W.
Predatory Company
This company is incredibly predatory, avoid at all costs. They use past incidents of symptoms (like vomiting and diarrhea) as an excuse to deny claims for completely unrelated conditions, and utilize a blatantly subjective review of medical records - even against veterinary standards & consensus - in order to serve the company’s best interests. Symptoms like vomiting and diarrhea can occur due to MANY different conditions, diseases, and illnesses… that’s why they’re considered SYMPTOMS and not standalone conditions. But if your pet had a single instance of vomiting OR diarrhea within the past YEAR due to something like a diet change, bacterial infection, or just eating something it’s body didn’t agree with, ANY future condition associated with EITHER symptom will be considered a “preexisting” and denied on that basis. Eg., say you took your 4 month old puppy in for vaccines and told the Vet he/she vomited the day before due to getting into the trash or a recent diet change, and then 10 months later your dog needs emergency care for something like acute gastritis, a severe allergic reaction, or poison consumption (even intestinal blockages have been denied on multiple occasions) and vomiting is one of the symptoms, Embrace WILL deny the claim because of the past documented incident of vomiting (some customers have successfully challenged denials for blockages that required surgery after a time consuming appeals process, but those claims never should’ve been denied in the first place… Embrace frequently uses initial denials as a business tactic because they know a lot of people won’t even bother to jump through all their hoops). So when I say they’re predatory, I’m NOT using that word lightly! They utilize a variety of dirty tactics to serve the company’s interests and avoid paying out their own customers. Just take a few minutes to read their BBB complaints and reviews and you’ll understand. There are far better insurance providers out there. Spot is THE best and most customer friendly company available (imo), but they’re a bit expensive. If the money’s an issue then I recommend Pets Best, their pricing is similar to Embrace but they’re LEAPS & BOUNDS better in terms of payouts and customer service. I’ve had policies with all 3 companies so my recommendations are based on personal experience.
Insurer: Embrace
By: Angela Christine