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Claims not Covered
I purchased the increased wellness insurance package, but coverage is horrible!
Insurer: Pets Best
By: Joe
Created a pretext not to insure
I went with Embrace for insurance and regret it. In the process of processing my first claim (my dog got a tick-borne illness and vestibular symptoms), Embrace reviewed my dog's history. During that review, Embrace focused on the fact that a year ago I asked the vet about a small bump on my dog's leg. At that time, the vet examined and tested the bump (needle aspirate) and said it was benign. Embrace, however, found this in the record and has declared that my dog has a pre-existing condition and will now not be covered for any future masses or any type of cancer. All this because of a benign cyst in his medical history! When I protested they said the only way to get back my dog's coverage for cancer would be to biopsy the bump to determine cytology--a procedure my dog *does not need*--no vet would say this is medically indicated. And if I don't do that, Embrace will deny him coverage if he ever gets cancer in the future. I'm a longtime USAA member and have always respected and appreciated USAA, so I'm really dismayed that Embrace is doing this sort of thing under USAA's name. At this point I'd like to change insurance plans, but now I'm stuck: Embrace has created a barrier to future coverage for a huge category of illnesses for my pet, and the only way I can get rid of it is through an unnecessary procedure and expensive lab work (lab work Embrace won't cover, despite the fact that they're requiring it). But if I switch insurance companies now, any future recurrence of the vestibular / tick borne illness will be considered a pre-existing condition by the new company. So I'm stuck. But you don't have to be--avoid signing up with Embrace!
Insurer: Embrace
By: Rachel K
Stay Away! They Will Do Everything to Deny Your Claim and Not Pay You
After doing a tremendous amount of research regarding pet insurance, I ultimately chose Figo because of the coverage they "purported" to provide, and because they were backed by Costco. I purchased 3 policies for 3 separate pets, one of which was for a brand new puppy we obtained from a top reputable breeder. Just prior to that puppies 1 year birthday, he came down with horrible diarrhea, lethargy and wouldn't eat. I took him to the vet who diagnosed him accordingly (nothing too serious), and provided appropriate prescriptions. I then submitted the claim to Figo. To my shock, Figo immediately rejected my claim, on the basis that the diarrhea was a "pre-existing condition." Huh?? First, how is diarrhea a "pre-existing" condition? Second, even if it was the symptom of some "pre existing" condition, what possible "pre-existing" condition could a full-bred Golden-Retriever puppy have that would cause diarrhea? I had provided all of our puppies documents, vaccine records, and medical clearances when I submitted the claim. On top of that, I provided the name and phone number of the breeder in case they had any questions. Furious with this decision, I appealed the decision. Figo responded that because I had not provided medical documents with SOAP notes, any condition my dog had within the first 12 months of the policy was considered "pre existing." I then resubmitted all of my dog's paperwork. Suddenly, it was sufficient; they reversed their appeal and applied costs to my deductible. "Ok," you say, "you got what you were entitled to." Well, the story isn't over. When I looked at the EOB to review what had been applied, it was pennies on the dollar. They didn't give me credit for 80-90% of what I paid for my dog's appointment, tests, etc. One excuse code after another. What a joke. I'd stay away. Do your research and read other reviews on Figo. I'm not alone.
Insurer: Figo
By: TeeDeeLynn
Informative and efficient process.
Informative and efficient process.
Insurer: ManyPets
By: Teresa Morneault
Why Nationwide is the perfect choice
Handling my issues was easy, the representative particularly helpful and professional. It has been a pleasure for me to have chosen Nationwide for my furry friend.
Insurer: Nationwide
By: Nina Thomas
Very disappointed.
I have a claim with the company for over a month first they told me it was denied. Then when I called them they realized the denial was in error. The claim is for over 5000.00 dollars and they are still jerking me around every time I call they say the check will be released in 10 days this was 25 days ago. Customer service is awful. I am switching companies.
Insurer: Pumpkin
By: Joann Youkers
Molly
They provide great coverage at a reasonable price. There website was easy to use.
Insurer: ManyPets
By: Bruce
Great coverage. Knowledgeable, friendly
Very professional employees
Insurer: Trupanion
By: Mike
You react to my princesses needs very quickly and very efficiently I am very happy that you are taking care of my pets
You react to my princesses needs very quickly and very efficiently I am very happy that you are taking care of my pets
Insurer: Trupanion
By: Don
Extremely happy and great customer experience
I am extremely happy with my experience with Furkin pet insurance. Their customer service is friendly and claims are opened and reimbursed very quickly. When we rescued our pup I knew that I wouldnât be able to cover any large emergency expenses if they came up, a reasonable monthly fee gave me the peace of mind to know I was covered in those events. Unfortunately our pup ended up with a fast progressing terminal cancer, having Furkin insurance spared me financial stress during this heartbreaking time. Up to and including the final bill, Furkin had us covered and I am so thankful. We will definitely be using them again for the next rescue!
Insurer: Furkin
By: Julia