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Just purchased Insurance for the fur babies
Just purchased Insurance for both my cats and my father's dog. Haven't used it yet but it was easy enough to purchase and the price was right.
Insurer: ManyPets
By: Maria Bruno
This company doesn't follow their own terms & conditions.
I purchased Embrace policies for my two cats, one of whom had eye damage from an infection as a baby, before I adopted her. I was of course aware of this condition and understood that any complications related to the previous eye damage wouldn't be covered by Embrace. Then my cats got into a fight, and my kitten sustained a new, unrelated eye injury. She had to have an eye removed, and then had a post-surgical infection. Throughout the stressful and expensive procedures, I took comfort in the knowledge that her bills would be covered by Embrace... until Embrace rejected all my claims. Their argument is that this injury counts as a pre-existing condition, because my kitten's previous eye damage increased the RISK of complication in the case of another unrelated injury. This is based of their own assessments, not the opinion of the vet who actually saw my pet. But even more concerning is that this criteria does NOT appear in the policy. In Embrace's own Policy Terms & Conditions, a pre-existing condition is defined: "Pre-existing Condition(s) means: a. A Chronic Condition observed by you or your Veterinary Provider prior to the end of the Waiting Period for your Pet(s) and any related conditions; or b. An Illness or Injury that first occurred or showed Clinical Signs prior to the end of the Waiting Period for your Pet and any related conditions. c. Undiagnosed conditions with the same Clinical Signs as those in a. or b. above are also considered preexisting." This definition does NOT extend to any future, unrelated, new injuries where a pre-existing condition could have elevated risk factor or made a pet pre-disposed to future complications. It's simply not in the policy. I have attempted to get clarity from Embrace representatives about what criteria they used in their denial of my claims, what future claims might be denied on these grounds, or to point me to where the policy mentions complication risk factor as determining a preexisting condition. The adjuster I spoke to, Taylor, insisted that she is unable to answer any of my questions. I'm in the process of filing a second appeal, which will involve getting ahold of the ER doctor who saw my cat, since a letter from my regular vet who knows my pet best was not sufficient for Embrace.
Insurer: Embrace
By: Jocelyn S.
This insurance did not cover our cat's…
This insurance did not cover our cat's emergency visit and provided no explanation for declining coverage.
Insurer: Figo
By: DSyed
Great Customer Service
Always helpful, process claims quickly and great customer service!
Insurer: Embrace
By: Jessica K
So far, so good.
The prices seem pretty reasonable for the options I selected. They responded quickly to my questions, via email. I have not yet submitted any kind of claim, so I don't know how that will go if and when I do. I feel optimistic about them.
Insurer: ManyPets
By: Margo Tracey
You will never regret it!!!
Trupanion has never let me down, not once in 11 years. Claims paid literally in two days!!
Insurer: Trupanion
By: Karen
Trupanion makes it very easy to file a claim.
Trupanion makes it very easy to file a claim...and if I need help with a question, the folks are always pleasant and helpful.
Insurer: Trupanion
By: Sue