The response time for Embrace is great, but like any insurance company, they are always looking to tie claims to preexisting conditions which in some situation aren't the case. Just because one of multiple symptoms may be a preexisting condition, shouldn't make the entire claim tied to that one condition. For example my pup had a pancreatis attach which resulted in numerous tests, medications, and a hospital stay. Because he had diarrhea for a portion of the 5 days he was in and out of the hospital, the entire $4500 claim was denied. The nausea wasn't diarrhea related, the ultrasounds, xrays, food enticing medication, multiple pain relievers, all had absolutely nothing to do with diarrhea, yet the entire claim was denied with the rationale of preexisting diarrhea. This is frustrating and feels like railroading. I've actually considered switching insurance companies because of it.

Reply from Lemonade

Healthy Paws is a lifesaver! We have used them for over a decade for 2 labradors and couldn’t be happier for doing so. Healthy Paws quickly evaluates claims and pays them promptly without question. Very recently our lab was diagnosed with double hip dysplasia requiring us to change vets to give him the best treatment. Our vet immediately diagnosed the problem and implemented a medical treatment plan which is ongoing and substantially improved the quality of his life. The care and treatment was expensive and Healthy Paws reimbursed us immediately after claims were submitted.

First coverage was expensive but I thought worth it. But then I put a claim in for an ear infection and because my dog had one ear infection in his life before they said it’s a pre existing condition. That like saying he had a cut in his leg now all cuts on legs won’t be covered. That ear infection was a year earlier and had healed this was just another one which can happen.

No matter what I submit for a claim, Embrace finds a reason not to pay out what they promise. I have invoices, documentation, EMAILS directly from the vet explaining what is diagnosed yet I still have nothing. I'm not happy and not renewing, it's a waste of money.

It's just so easy sending in your bills...a lot easier than my own health insurance!!!

Forget it, too complicated for old people.

The insurance process has been, extremely great with Bella being sick.

None

Very easy and fast response