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.

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 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 !!

Misleading in full coverage benefits, and when you try to cancel full coverage, they do not give you the option to do so.

Just so disappointed with the actual coverage. When we had an actual emergency, including prescribed medicated food—very little was actually covered by this policy. After a yearly expense of $1,500 for coverage i expected better. We had around $900 in vet expenses, the “80%” back that we’re getting is around 150 bucks. It’s fine but- Why did we spend this money on emergency coverage when we could have saved it instead and come out on top? We had this for a few years now and the cost is going up an additional 50$ a month—so a yearly cost of $2100, and pittance for emergency coverage in compensation. Turns out it’s smarter to save what we’d pay in a high yield savings account and hold to accrue interest than pay somebody else to barely cover anything. I feel ripped off by this.

I insured my dog and cat for 12 years with Nationwide. I regret that I did. It was a waste of money. I never made a claim for the cat, but the dog had several surgeries after she turned 10. She had three benign tumors removed. Then she developed lymphoma and had a fourth surgery. Her ultimate, fatal condition was a trigeminal nerve sheaf tumor, which was inoperable. She died August 1. I paid them thousands of dollars over the years. Between $15,000-20,000 for the two animals. The reimbursements were a small fraction of my costs for care. At one point, she had a tumor removed from her eyelid. The bill: $3,500. The reimbursement: about $700. What's the point of paying for insurance when the coverage is so miniscule? I would have saved thousands of dollars by having no insurance at all.

It’s an absolute scam!!! We submitted a claim for my dog that was in the animal hospital for 10 days due to Addisons. She wasn’t diagnosed with it before our claim on 7/22 before. My dog went to the vet in January,( 6 months) before because she had gastritis. They saw she was vomiting and elevated pancreatic enzymes and denied our claim due to related symptoms. My dog received a bad batch of dog food, was even tested and came back with issues, totally unrelated to Addisons. I guess my dog can never vomit again at the animal hospital or whatever she has will be denied. Do not get pet insurance through these crooks!!!

I have really struggled to get Embrace to understand I split my wellness bills from the vet into payments with the vet. I have had claims denied because the vet receipt to me says zero, but the charge was moved over to my installment, and they won't accept the installment because each payment to the installment doesn't have a wellness item attached to it. I send in both the zeroed out bill with costs, and the installment receipts, and still get denied. After the companies response, and attempt to follow their instructions for successful payment, I was just denied again, Although the action happened within the guidelines of the policy, they deny based on paperwork the vet has available. So a company that is offering insurance, but not paying, and the customer can't do anything about it because they are limited to what the vet provides. I have sent in a BBB complaint and I hope this company can align their claims to vet clinics so the customer isn't in the middle paying for something they are not getting. And masking as military friendly when in fact they are not. A complaint to USAA to remove affiliation is next.

Not many regrets in life, but using Embrace is one of them. Since my dog had a bit of food intolerance/allergy when he was little they’ve claimed anything gastrointestinal is a pre-existing condition that they won’t cover. Now faced with the prospect of stomach cancer at age 10 and Embrace won’t even consider scans as something that would qualify. Paid thousands to this company over the years and have never had a single cent back. My vet is even shocked about what they are claiming and using as an excuse.

I've had a policy with Healthy Paws since 2016. I just received a notice that my premium is jumping 154.3% and I am facing a yearly increase of $4,589.16 in premiums. Buyer beware, they will jack your premiums out of nowhere (I'm not talking the expected annual increases, this increase is unreasonable) and you will NOT be able to get coverage from any other insurance company if you have any claims as they will all be deemed preexisting conditions. I paid into their policy for years and years and now they want to get rid of my dog.