Should have known all insurance companies are scams! WHETHER it BE HUMAN OR PET! They are all scams! I got denied because it wasn't deemed an urgent!!!

I acquired this policy based on my vet's recommendations as for the simplicity of it's usage. I was told after each visit a copy of my billing would and was sent to Embrace for processing of reimbursements ... Yet if there is a problem with embrace not receiving the invoice due to changes in their system processing methods I would not be reimbursed. as was the case for several years Receipts were sent in to what was then the original processing center not knowing of any changes having been made thus causing my claims to never have been seen and of course not being processed Embrace told me no matter what it's my responsibility and embrace holds themself at NO fault At $2,625.00 yearly is this truly the way to go?

I never once filed a claim and yet they continued to hike my premium, getting to a blinding $100 bill this year. I made a request to cancel in May of this year, which they countered with lowering my coverage, so I accepted. A new policy was underwritten and enacted in June. They wrote me in July to say they cancelled my policy anyway. I asked why, they cited the May request. Okay, fine. I don’t understand why THEY reopened the request after it was ALREADY resolved through a compromise they proposed. I’ve just wrapped up another round of unnecessary discussion because now, in August, they’ve reopened the ticket AGAIN to say “they’ll look into my inquiry and respond promptly.” So I answered that this was a futile attempt, which then they responded with a condescending email stating that since the policy was cancelled, they cannot reinstate it. Good grief. Overall I’m exceedingly disappointed in their service, and especially their mismanaged, disorganized “inquiry system.” Save yourself the headache. Don’t go with HealthyPaws.

When choosing dog insurance be aware that these companies want your business as long as your pet is young and healthy. As they get older and you use the insurance more frequently to cover your pet's medical expenses, they will start denying claims and raise your premiums in order for you to cancel or they will flat out cancel your coverage.

Poor clarity of coverage on website. Misleads customer into believing routine or preventative vet visits would be covered. Customer support staff is not sensitive or understanding of customer’s perspective. Generally just a difficult and misguided experience.

i was reading that both my cats would be billed toghter. then when i looked at the two emails i got they said billed seperatly? so what is it?

I bought insurance for my dog. Had two appointments the first was $650 of which they reimbursed $150 the second two weeks later for $1005 and they refused to reimburse me because they said it was not within the waiting period! This is ridiculous!!!! Poor customer service lies and they don’t care at all !!

Large annual increases in premiums - avg 36%/annum over 7 years. Fairly long waits for reimbursements. Claims denied if filed more than 90 days afterwards, even for monthly prescription refills. Mistakes on reimbursement amounts requiring multiple follow-ups.

DO NOT EVER GET THIS INSURANCE THE ABSOLUTE WORSE! HAD SUCH A HORRIBLE EXPERIENCE. APPLIED FOR PET INSURANCE MAR 3 AND THEY CLAIMED IT WAS "APPROVED" BUT THEN SENT AN EMAIL SAYING MEDICAL REVIEWERS NEED TO REVIEW HIS BARE MINIMUM HEALTH HISTORY (HEALTHY DOG) AND THAT COVERAGE HASNT STARTED TOOK THEM 2-3 WEEKS BEFORE STARTING COVERAGE SO COULDNT GET 1 OF HIS HEALTHY APPTS COVERED. THEN ONCE THEY ACCEPTED IT NOTHING WAS SENT OUT. TRIED TO CREATE AND ACCESS AN ONLINE WEB PORTAL AND COULD NOT AGTER MULTIPLE ATTEMPTS. AT THE TIME I COULDNT LOCATE A PHONE NUMBER OR CONTACT US FORM AND WAS IN THE PROCESS OF MOVING. NEVER COULD FILE A CLAIM OR ACCESS ANYTHING. THEY HAVE KNOWN PROBLEMS CREATING ONLINE ACCESS WHICH I FEEL LIKE THEY DO INTENTIONALLY. ALL THE WHILE I PAID A DEPOSIT AND WAS GETTING MONEY TAKEN OUT FOR 3 MONTHS. I finally contacted my bank to stop payments because I couldn't figure out how to terminate the insurance. I asked for a refund because they stated if the insurance hasn't been used then you may be able to be refunded they switched it to say Marylands says you only have 10 days from "approval" which doesn't make sense because coverage doesn't start until 14+ days later. I was with Pet Embrace for 3 years and never had 1 issue like this. Their customer service was absolutely rude and said "well I pay auto insurance and I'm never credited back even though I'm not in accident" which is not the same type of situation. You get pet insurance to cover their wellness expenses it's more of a form of Healthcare than it is for a car. Save yourself the time DO NOT sign up for their Insurance go someplace else. Their coverage isn't even that great to begin with. If the pet insurance is this bad I can't imagine how any of their other insurance is.

I decided to go with Lemonade for my dog's pet insurance. I chose a deductible and a percentage of reimbursement. When it came time, the first time, to get reimbursed, I was amazed to find out that I would not be reimbursed for any examination. In other words, I knew I would not be reimbursed for routine wellness exams, like once a year; however, if my dog were sick, or in an accident, of course the first treatment would be the examination. If the examination is not included, then what exactly are we being reimbursed for?? I find this absolutely mind-boggling, almost like as a policy holder I have been completely cheated! Stay clear of this pet insurance!