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Because everything was clearly presented to me
Because everything was clearly presented to me
Insurer: Trupanion
By: Cheryl
Jazz is thrilled to be insured??
Brandi was excellent!
Insurer: Trupanion
By: Lori
Quick claims processing
Claim submitted & processed within 3 days.
Insurer: Trupanion
By: Linda
Great Pet Insurance!
Easy filing of claims, quick payments, excellent communication.
Insurer: Trupanion
By: Ellen
Easy, Convenient, & Affordable
Easy sign-up, offer for free first month, reasonable rates, direct-pay to veterinarian.
Insurer: Trupanion
By: BRUCE
$50 a month for a plan that only covers…
$50 a month for a plan that only covers one wellness visit a year is not worth it.
Insurer: Pets Best
By: Felipe
Get ready for a bunch of "I'm sorry's" and "Unfortunately's"
I'm not a serial complainer and don’t post a lot of bad reviews, but Embrace deserves one. I originally chose Embrace because of their discount to USAA members and my rationale that, by affiliation, Embrace would be the same sort of top-notch and scrupulous insurance company that USAA is. I was mistaken and very disappointed. Embrace isn't a terrible company, but like many insurers, they will bend every word and phrase in the insurance agreement to their benefit in order to deny coverage, and they have provisions in their policy that are one-sided and irrational to the point of absurdity. Then they'll lay on the fake sympathy when they tell you how disappointed they are that they can't cover your claim. Here's an example. First, the exact policy provision: "If your Pet showed Clinical Signs of any Dermatological Condition prior to the end of the Waiting Period, your Pet must be free of any Dermatological Conditions for twelve (12) consecutive months before any Dermatological Conditions may be covered again." Next, here’s how that shook out in real life. Our dog had a sarcoma (cancerous growth) between her toes removed in January 2022, several weeks prior to signing up for pet insurance with Embrace, so we understood and agreed that was a pre-existing condition for which we would not expect coverage. In August 2022, my dog irritated that same paw on a walk when she stepped on something. We took her in to the vet, who suggested that we soak her paw in an Epsom salt bath for a week, which resolved the issue. Embrace denied coverage for that vet visit (~$100), claiming that because the veterinarian didn't specifically rule out a recurrence of sarcoma in her visit notes, that they couldn’t rule it out as a pre-existing condition. This is despite the fact that the recommended course of treatment (Epsom salt baths and no recommendation for a biopsy) was not consistent with a recurrence of sarcoma. At our request, the veterinarian amended her notes to specifically state the obvious - that it was a skin irritation of the foot and not a recurrence of carcinoma - which we forwarded to Embrace as an appeal a couple weeks ago. After digging for a couple days to find a new reason to deny the claim, this time around, they essentially said "well, you got us on the sarcoma thing, but we're still denying coverage” because – and get this – she had folliculitis ON HER SCALP in September 2021, four months before taking out the policy and eleven months before the FOOT irritation. Yes, they denied the claim for a reason they didn't originally think of the first time they processed the claim, which shows how much work they'll put into finding reasons to deny a ~$100 claim. Imagine the time they’ll put into larger claims. Adding insult to injury, they wrote their denials with way-over-the-top patronizing fake sympathy, stating how "unfortunately" they could not provide coverage, and how sorry they were that they couldn't, as if they shared in my misfortune, and as if denying claims didn't positively affect their bottom line. “Unfortunately” and “I’m sorry” seem to be their favorite words, and they’ll likely appear in Embrace’s response to this review, along with a statement that it pains them when they can't provide coverage for a condition. Don't be fooled like I was. If you're looking for a different kind of insurance company, look elsewhere.
Insurer: Embrace
By: Andrew Harman
Best Company Ever
Quite honestly the best company I’ve ever dealt with for anything. Wonderful service, reliable coverage for more than a decade covering literally tens of thousands of dollars of catastrophic medical bills, with no issues, ever. Direct deposit of reimbursement (at promised rate of 90%!) to our checking account and very expeditiously. There is everything to rave about and literally nothing to fault from our perspective. Highly, highly recommend Trupanion!! Wish they provided human medical insurance!!
Insurer: Trupanion
By: Anita Matthews Skor
Thought this would be a good option for…
Thought this would be a good option for my puppy since they are so prone to eating everything in sight. Never was able to meet the deductible because they denied each receipt after the first one I submitted for diarrhea (a common symptom for a puppy) stating it was a pre-existing condition. Ha! So if your puppy gets diarrhea or vomits, know that you can only go the vet once for that symptom if you want it covered. What a scam.
Insurer: Spot
By: Matt
Not a flexible company - go somewhere else!
Don't use this company if you want enough time to test what the coverage does. They give you 30 days to change your deductible (reduce or increase), but after that you can only reduce it. I've spent hundreds of dollars and no payout yet. 30 days IS NOT ENOUGH but they don't care. There are much better companies out there, don't bother here.
Insurer: Trupanion Canada
By: Sarah