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I would have given them no stars but…
I would have given them no stars but that is not an option. I signed up for insurance with Spot insurance after I did research and called to see if a sprained foot would be considered a pre-existing condition. I was told no it would not be. I submitted a claim and it was denied due to a re-sprain. Where in the world of pre-existing conditions would a re-sprain be considered pre-existing that makes absolutely no sense. A sprain is an accident unforeseen. I asked to have the policy canceled flat as I would not have purchased the policy if I was given the correct information and they wouldn’t do that. They do not tell you everything when you sign up and you sign up under false pretense- fraudulent!!!! Awful company with terrible customer service and business practices
Insurer: Spot
By: Leona Strader
Amazing service and response.
Our 16 month old Shih Tzu was not feeling good and started having seizures. We took her to the emergency hospital and they had to run numerous tests and bloodwork to include a neurological exam. Needless to say that these procedures are quite expensive and she needed a three night hospital stay. Trupanion was amazing. From the first phone call we made to them, they calmly explained how the coverage works and how to submit the necessary information to process the claim. Their app made it very simple to upload information. Within a week of her initial visit to the doctor, funds were deposited in our account to cover the cost of the claim less the deductible at our 10% co-pay. We also take great comfort in knowing that her medical condition to be covered for the rest of her life. Truly an amazing experience. And our a little pup is recovering and doing very well.
Insurer: Trupanion
By: Rick Tomljenovic
A little mix up with policies but it…
A little mix up with policies but it was straightened out quickly
Insurer: ManyPets
By: Ruth Hines
Pet Insurance Program
I enrolled in the pet Insurance Program for my cat. Everyone has been very helpful. That was last month I think and so far I have not had to use it... It is reassuring to know that if I ever need to, I can have a way to help her. Thanks so much, Joan Asbury
Insurer: ASPCA
By: Joan Asbury
Customizable
We haven’t had to use it yet thankfully but the purchasing process was easy and we enjoyed the ability to be able to customize it to our needs.
Insurer: ManyPets
By: BeckyU
Conniving and Dishonest just like all the others
Update (In response to Embrace's response): How is "vomiting" and "diarrhea" a pre-existing condition? Imagine if when you tried to get the health insurance they said "we see here that you've had ankle pain in the past and you've also vomited and had diarrhea. So anything related to your ankle or that involves vomiting or diarrhea is not covered." That doesn't make sense to anyone but pet insurance companies. Vomiting and diarrhea are symptoms, not conditions. Also, thank you for condescendingly pointing out that all of the information about pre-existing conditions was sent out in the terms and conditions. My point was that you never told me those cases applied to ME! You never said, we found these pre-existing conditions in your dog, just you know those won't be covered for a year. Unbelievable. Their response should tell you everything you need to know about the company. They are fraudulent, do not care or understand dogs or the difference between symptoms and conditions, and they will leave you stranded when you need them most. After a little over a year of solid service from Embrace, I had the dreaded negative experience, everyone, with pet insurance fears when filing a claim. I submitted a claim for one of my dogs who was vomiting and having diarrhea. Easy day, I thought. Just as I was starting to realize that the claim was taking longer than it had in the past, I get CC'd in an email from Embrace to my vet asking for my dog's medical history over the last year. Confused about why that would influence the status of my claim, I call Embrace who then proceeds to tell me that my dog has "pre-existing conditions" on my policy. I ask the Embrace representative which policy document would have those pre-existing conditions listed to which she responded that I don't have access to the document that lists them and that I could online get them sent to me if I had known to ask for it. Complete scam. I had been trying to make myself feel better about paying more for Embrace than every other competitor because I thought when I needed them, they would be there. Turns out they are just as conniving and dishonest as some of the others seem to be. Do yourself a favor and either get a policy somewhere else where you can get more coverage for a lower price.
Insurer: Embrace
By: Robert Torrealba
Prompt reply great service thank you…
Prompt reply great service thank you for helping with Cocos care great company that is fair and caring thank you
Insurer: Embrace
By: Charles Ogren
Easy website to navigate
Easy website to navigate Quote was very clear and informative
Insurer: ManyPets
By: Lisa
As humans we know how important a roll…
As humans we know how important a roll health insurance plays in our lives. As pets that are unable to voice their needs they rely on us as pet parents to make sure their health needs are just as important as ours. Thank you for making my insurance choice easy with policy transparency and not a lot of page after page and but this and but that. It was straight forward, easy to understand and the cost, (I felt), was very reasonable. Thanks for being out there and here’s to good experiences ahead. Piper Wirth
Insurer: ManyPets
By: customer
DO NOT RECOMMEND
This insurance company is bogus. My cat got sick about a month after my coverage started. I had to pay for everything out of pocket and then it took nearly TWO MONTHS to get a response back on the claim. They denied the claim because there wasn’t enough “proof” that my cat was not sick before this visit, even though I had him at the vet 5 months prior to the policy start date and he had a full work up done less than 1 year prior to the start date and was in perfect health. Unreal. They say they cover everything but you need to jump through too many hoops to qualify for the coverage. Even the vet clinic said they couldn’t believe what Fetch was asking me for. And every time I’ve spoken to customer service they have been unhelpful, cold, and downright rude. These people DO NOT care about you or your animal. Please, if you love your pet, trust me and DO NOT go with this insurance company.
Insurer: Fetch Canada
By: Kaitlyn Harnum