They drop old dogs when they get to costly, garbage company

My information was entered incorrectly on my initial policy, and the company displayed no goodwill towards rectifying the consequences of their mistake for myself and my kitten 😔 was initially excited to get going but will be forced to explore other options.

I've used Embrace for seven years and have no complaints about the coverage or reimbursement process, but for the second year in a row the premium for one of my dogs has spiked significantly. I always expect a slight price increase from year to year, but having one dog's premium increase from $190 to $370 per month is outrageous. No amount of demurring about a dog's breed, age, the longevity of the policy, or vet care cost increases can possibly justify this kind of price hike. I'm disappointed that Embrace is choosing to do this, especially given that pre-existing conditions aren't covered by other insurance carriers, which essentially locks current clients in regardless of predatory rate increases.

Healthy paws advertises in big print on their front page that most claims are settled in two days. I’m over three weeks into mine. They sent me an email saying that the invoice I sent isn’t valid, because it needs to be itemized and contain a bunch of specific details. It was itemized and contained everything they listed. So I called and talked to an agent who looked at the bill, agreed it was itemized and said she’d tell the underwriter to review it as is. The status of my claim updated to in progress, but a few days later I logged in to check and it was back to requesting the same information, except this time they didn’t email me or give any notice. I emailed and explained in detail that my invoice fit all their requirements. They responded with a generic email asking for an itemized invoice. These people are unethical, morons or both. Don’t deal with them.

you cover nothing

This is a total SCAM. I filed 7 claims over the course of a year, and ALL of them were denied. I canceled the insurance and the confirmed that it was canceled and then continued charging my credit card. STAY AWAY! UPDATE: Now they are claiming they can't even find my account after it was open for more than one year. Don't believe their reply about 92% of claims being honored. SEVEN of mine were denied. SCAM

I see I'm not the only one who had to drop insurance with Healthy Pets after many years because of rate increases. In the nine years I was with them, I only had one claim. Then the rate doubled, then tripled. When I asked why, they said it was because I live in an expensive state. I stayed with them because I thought my dog's age meant I had no better options. After the rate increased to $500 a month, I finally dropped them.

The claim process is extremely long! It took 2 months to get an explanation back. They always denied the claim because of varies reason. Don’t even try to submit any claim because it will be denied. Worse insurance ever.

I wasn’t able to complete my claim online. The person I chatted with said she would send me an online and she would send me a claim form online to fill out and then upload. Luckily, I haven’t had to have any claims, but never mentioned what I then saw after I was frustrated and got off the phone that you needed to update your password if you hadn’t been on the site this year, so all that time and $77 a month was not anybody even mentioning that could’ve been an issue I figured it out myself I’ve said this once before to this organization you’re charging $77 and change a month for 20 month old I mean a 20 pound dog And so I am fact would expect more than that in customer service

Not a great experience with these guys unfortunately. The first claim we made took 5 weeks to process. All communication was restricted to the app. Price was increased by 15% after 5 months. The PDS (Product Disclosure Statement) is not available in .pdf and only on the app. Additionally the app PDS does not share the details of the $ coverage for each aillment (i.e ticks), making it difficult to compare to alternative insurance providers. I've switched to Budget Direct who were significantly cheaper, provide a detailed PDS in .pdf via email and have both an app chat and call centre for any claims/questions.