I went through the entire sign up process and then was rejected. Which reminds me to make sure Nationwide did put anything on my card

Yes, honest and helpful.... really ? I have purchased insurance from Healthy Paws when my dog was 5.5 years old ( in 2017): I chose 70% company-30% me, and 500$ deductible. I have paid for 7-8 years, never used it. They don't pay regular visits. I took my baby to ER back in January 2025. After a short visit of few hours the final bill was $1000. My deductible was $500, so then they should have paid 70% according with my plan. They said they don't pay the visit ( $250), so I was left with 250$ bill hoping to get 70% which means $175.00... well Healthy Paws invented a new Math and sent me a check of $46. Please be aware they do not cover the percentage they said !!!! For Healthy Paws: I am not interested in your excuses and explanations !! Math is Math: you should post your percentage rule on your site so people are aware of this scam ! I have stopped paying the insurance. My baby is 13.5, still doing good. I have meant to write a review for very long time. I also want to bring to attention the increasing of cost is astronomical !!!! I have read reviews that say the increase was above like 1000 %. They want you to pay , but they always find excuses not to cover !!!!

You nickle and dime your customers - even long-term customers yet raise our rates every year blaming it on veterinary charges going up. This is a joke and a scam

I find it useless as a insurance..its nothing like health insurance. If you dog is a diabetic and needs meds or god know surgery because a kidney is falling ect you won't cover it because its a previous condition do to diabetes.. That is just a example..I will be canceling and putting the 200 dollars a month in a saving for my babies.. I get not covering medication but if a surgery comes up for said condition you won't cover is crazy..said condition caused cancer in let's say a yr nope its said condition related.. Waste of money..

I set up both of my dogs for coverage, then went to the online app prompt as required. I completed the information for my puppy, and when I tried to also add the info for my other dog, it would not allow it. I tried to follow the "simple" instructions, but it took me back to the additional pet quote. I don't need a quote for a dog that you are already insuring@!@! And it is asking for me to call during work hours to complete this task. Sorry, I work during that time and cannot get to a phone to jump through another hoop.

I found out today that if your animal has an issue that requires more than 1 visit, each visit will be its own claim. So..if you have a $250 deductible, and you have each visit is under $250, than nothing is covered. Each individual visit needs to be over that for anything to be covered, even if its the same issue! So this insurance has yet to cover anything for my animals.

Response time when all necessary paperwork has been turned in. I get insurance to be reimbursed immediately.

I have had pet insurance for a long time, my dog finally needed to use it after years and my claim was $3,200. The insurance covered less than half of the claim. With all the money I have put into the insurance I could've paid for the whole surgery instead of paying for pet insurance.

Tried enrolling my dog in the Trupanion contest but the website didn’t work. Contest probably fixed!

So far, I have not had a particularly good experience with embrace. The review of my initial claim was exceptionally long, and while they do say it could take up to 30 days, I didn’t actually think it would take that long based on my experience with several other pet insurance companies. Then after waiting for a month, my claim was rejected based on a flawed assessment. I then had to ask my veterinarian to write a letter explaining why their assessment was incorrect. Embrace then took another two weeks to review her letter and came to the conclusion that my claim should in fact be covered. In doing so they also “found” another exclusion that they had not identified in their prior review. They indicated that they would send me payment on the claim, but did not include anything about payment of the two other claims related to the initial one. I sent a note asking them to please re-process the other two claims since the initial exclusion was lifted, and I still have not heard anything back on that or even received an acknowledgment that they received my note. Overall, I find this company to be very slow and like all insurance companies, they are always on the lookout for exclusions, even when there aren’t any that are valid. I believe they need to improve upon their customer service as well as their efficiency. I’ve only been a customer for a short time, but so far I am not at all impressed. I have had much better experiences with other insurance companies who have been very easy to deal with.