Claims are a nightmare
Horrible onboarding and claims process. I have 2 labs and the price of insurance was high even though they were puppies when I started the plan. It took months and months to even onboard them because they kept asking for information of their medical history, including “doctor’s notes”, which my vet didn’t even understand what they wanted. They sent everything over and over again. Yet it kept being delayed because they were waiting on information of some sort. Embrace will happily let it sit forever unresolved, stating that you can try to get the info on their behalf. Well that would be nice if I knew what they needed. They finally onboarded me after months of fighting, with “pre-existing conditions” that didn’t actually exist. Fast forward 4 years. Upon filing my first medical claim, it’s been placed on hold pending additional medical information from the 12 month period prior to my on boarding. What?!? Embrace drags their feet until you finally give up.
Their website states a diminishing deductible for each year of no claims. I’ve never seen that happen. Additionally if you alter your plan to add coverage they will happily oblige. What they do not tell you is if you reduce it back down you will be subjected to the new patient policy - along with initial waiting period and evaluation of pre-existing conditions.
A huge expense and enormous hassle for little or no return. You are better off saving money each month yourself for your pets’ needs.
- INSURER:
Embrace
- POSTED: 11/14/2021
- BY: Denise
- BREED: Labrador Retriever
- AGE OF PET: 7 - 10
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Chloe
The staff are very knowledgeable to explain all the coverage for my puppy. They explain to me one by one so that I can understand my coverage.
- INSURER:
Trupanion Canada
- POSTED: 11/14/2021
- BY:
- BREED: Labradoodle
- AGE OF PET: 7 - 10
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BEST Pet Insurance EVER!!
Always a smooth process and representatives are always so friendly and pleasant to deal with! This affordable insurance has made it possible for us to always provide the best care for our elderly kitties. I wish my own insurance was this fantastic!
- INSURER:
Trupanion
- POSTED: 11/14/2021
- BY:
- BREED:
- AGE OF PET: Over 11 years
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Trupanion
Easy enrolment process and great coverage
- INSURER:
Trupanion Canada
- POSTED: 11/14/2021
- BY:
- BREED: Miniature Goldendoodle
- AGE OF PET: 7 - 10
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Very grateful!
Trupanion is so quick in their response to, and return on claims….I’m so grateful that we have their coverage!
- INSURER:
Trupanion
- POSTED: 11/14/2021
- BY:
- BREED:
- AGE OF PET: 7 - 10
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Helping pet parents!
Excellent, pleasant and clear responses explanations and reimbursements as appropriate.
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Natasha, CVT
Answered all of my questions without feeling rushed, I know exactly what my sweet boy is protected for, I know what I can change within 30 days, and Jonathan was just so pleasant and thorough on the phone :) Thank you!!
- INSURER:
Trupanion
- POSTED: 11/14/2021
- BY:
- BREED: Domestic Shorthair
- AGE OF PET: 7 - 10
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Great service!
Great service, explain clearly policy
- INSURER:
Trupanion
- POSTED: 11/14/2021
- BY:
- BREED: Pembroke Welsh Corgi
- AGE OF PET: 7 - 10
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Frustrating claim
Had 2 claims on one slip. I called ahead to make sure what to do. She said they would cover the UTI but not the spay which I knew an said that they will contact the vet if they had any questions but of course they didn’t an the claim was denied because they couldn’t specify which treatment on the invoice was for which. So I had to print a form bring to Vet an ask vet to call Trupanion. Still haven’t heard anything on the claim.
- INSURER:
Trupanion
- POSTED: 11/14/2021
- BY:
- BREED:
- AGE OF PET: 7 - 10
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