5
out of 5
Verified
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5
out of 5
Verified
5
out of 5
Verified
I am super impressed with Trupanion’s claim service.
I am super impressed with Trupanion’s claim service. Whenever pets-vets-insurance comes up in conversation or online, I always plug Trupanion based on the fabulous service we have always received.
- INSURER: Trupanion
- POSTED: 02/28/2022
- BY:
- BREED:
- AGE OF PET: 7 - 10
1
out of 5
Verified
Customer Service was disappointing and I am really close to dropping the insurance since you guys basically don't cover anything
Customer Service was disappointing and I am really close to dropping the insurance since you guys basically don't cover anything
- INSURER: Trupanion
- POSTED: 02/28/2022
- BY:
- BREED: Olde English Bulldog
- AGE OF PET: 7 - 10
1
out of 5
Verified
Customer Service was disappointing and I am really close to dropping the insurance since you guys basically don't cover anything
Customer Service was disappointing and I am really close to dropping the insurance since you guys basically don't cover anything
- INSURER: Trupanion
- POSTED: 02/28/2022
- BY:
- BREED: Olde English Bulldog
- AGE OF PET: 7 - 10
3
out of 5
Big fish tries to get over on little fish
***LONG POST ALERT BUT WORTH THE READ***
I had a policy with Embrace for several years. My policy included 80% reimbursement with $300 deductible and covered wellness care also. Last year my dog got sick, vomiting frank blood and I took him to the emergency vet where he was diagnosed with gastric ulcers. I proceeded to take him to his primary vet for follow up and they confirmed the findings of the emergency vet. I gathered all of my documents, bills, and claim form, submitting those to Embrace. Embrace denied my claim citing "pre-existing" due to his kidney disease. I reached out to both the emergency vet and his primary vet to inquire. Both veterinarians confirmed the ulcers were NOT related to the kidney disease. I submitted those letters to Embrace and they still denied my claim.
Eager to prove my case, I filed a 1st and 2nd appeal. Embrace submitted for a independent exam in which the examiner stated "the ulcers COULD be related to the kidney disease but could also be related to another disease with similar symptoms."
Again they denied me as I argued their position is speculative. Wanna know what I did? I sued them in small claims court and I WON!!! The judge agreed that Embrace's position was speculative and not rooted in facts when two licensed veterinarians confirmed the illness to be unrelated to kidney disease. When I pointed out to the judge that Embrace had also violated their policy provisions, the judge awarded me 3% interest for the past 5 months. So do yourself a favor, SUUUUUUUUE! Insurance companies get over all the time because they know people don't want to spend the money to fight against them. The beauty about this pandemic, your court case can be held from the comfort of your living room.
I give them a 3 star because I've had other claims that did not involve potential pre-existing injuries and those claims were paid without a problem. I'm honest & I'm fair.
- INSURER: Embrace
- POSTED: 02/26/2022
- BY: AISHA
- BREED: Yorkshire Terrier
- AGE OF PET: Over 11 years
5
out of 5
Verified
5
out of 5
Verified
5
out of 5
Verified
2
out of 5
Verified
The service and response were great but I am disappointed that practically nothing has been covered by our insurance yet.
The service and response were great, but I am disappointed that practically nothing has been covered by our insurance yet.
- INSURER: Trupanion
- POSTED: 02/24/2022
- BY:
- BREED:
- AGE OF PET: 7 - 10