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Renewed but never feel comfortable…
Renewed but never feel comfortable understanding what is and is not covered. Had filed a claim for a unscheduled appointment for vomiting and not eating. My claim was denied whit a simple “ not covered by your policy. Probably won’t renew again. To difficult to understand what is and is not covered
Insurer: Figo
By: Leslie
Sick dog, can rely on Embrace
My dog ended up very physically sick & lethargic - very unlike him for a dog with endless energy who hasn't been sick the entire 2 years of his life. I had to find an emergency vet that was open & could fit him in on a Sunday. After a hefty vet bill, I was able to easily submit the bill to Embrace, was communicated with directly by an Embrace employee & everything went smoothly & quickly. Embrace has been there for us & we're so grateful!
Insurer: Embrace
By: Paige K
Jury's Out
Great marketing gets you in the door. But dealing with claims people feels like insurance. Sample FIGO communication regarding our dog's ortho waiver: "Thank you for providing this information. We have received [your dog's] completed orthopedic waiver form with the exam performed on 08/20/2021. This has been reviewed and applied to his policy. The 6-month waiting period has now been waived for the orthopedic conditions that were assessed during the 08/20/2021 exam and do not show any clinical signs or symptoms. The left front limb is excluded based on the waiver and medical records received from [your dog's] veterinarian. The waiver and medical records show outside palpation and a recommendation for radiographs. Until a further orthopedic exam and diagnostics can be run, these conditions may not be eligible for coverage as they were noted to be abnormal on the waiver and medical records. To clarify, the orthopedic waiver is not a guarantee of coverage." All that because our vet's exam notes indicated: "Outside palpation - looks OK. If further test needed recommend x-ray." The waiver form doesn't require an x-ray. And the vet's note just indicated the limits of his exam (palpation). Seems clear to me. But it wasn't to the FIGO "claims support team." So, after incurring the expense of a vet exam to get FIGO's ortho waiver form signed, we decided to just wait out the 6 month ortho exclusion period rather than jump through more hoops (and incur more expense) for the FIGO claims support team. We haven't made any claims under our policy (which we have renewed for a second year), and hopefully, we won't need to. But, based on the ortho waiver experience, I wouldn't be surprised if there are more hoops to jump through. Bottom line: Don't be fooled by the touchy feely marketing. It's insurance. So, read your policy carefully and expect FIGO claims to assert all available coverage defenses in the event of a claim.
Insurer: Figo
By: FIGO Customer for Years
wellness plan doesn't cover much
wellness plan doesn't cover much. Went for his 4 year check up and covered less than 1/3 of his visit
Insurer: Pets Best
By: Allison DiSanto Pitti
Excellent coverage claim process and…
Excellent coverage claim process and customer service.
Insurer: Embrace
By: Marc
Very Straightforward Claims Process
We got our dachshund just over 4 years ago and when we did we were warned to get pet insurance because they notoriously have back problems. Well, I'm glad we did because he ended up needing major surgery to fix a slipped disc. When it came time to make our claim, the process was straightforward and easy. They made it very clear what documents I needed to provide and where we were at in the process. I believe I was paid out within a week or two of submitting the claim!
Insurer: Fetch Canada
By: Alex Smeall
No one picks up the phone or responds to emails
You have no problem collecting the monthly fee but I've yet to be able to speak to anyone?????
Insurer: Pets Plus Us
By: Karen
Pleasantly Surprised with Awesome Customer Service
I signed up and had a few claims for gastro and then eyelid issues/surgery for my puppy. Claims were easy to submit and processed quickly. I had some issues with getting a reimbursement to process, but no fault of Furkin's. My bank's transit number issue, but I hadn't noticed the money hadn't been deposited. So Furkin had reached out to me to follow up and make sure I was getting my money back. I love that an insurance company is actually calling to make sure they pay me! The staff have always been helpful and friendly. The price for the coverage is fantastic, but I will see what the rates look like as my pup ages.
Insurer: Furkin
By: Amy