Absolute worst customer service, when they can’t help/ don’t know the answer they just hang up. Also deny claims that are explicitly covered under the contract and again just hang up to avoid accountability. Do not buy this insurance.

I’m just glad I have coverage now for my dog Crypto and my cat Amira. They’re both getting older and I know we’ll be at the vet more this year or next. It’s a relief knowing I won’t be stuck with a huge bill when that time comes. Arkana made it easy to compare plans and get something in place without spending hours researching. I feel a lot better going into the next few years with some peace of mind.

Sadly, Healthy Paws has gone WAY downhill. I've been with the company for about 12 years and they have always paid out for my cat, and paid out quickly so that is what gets the three stars but EVERYTHING else gets a zero star.

Overall MetLife is pretty good for pet insurance, however after the first year they hiked my monthly price up by over $30/month which seems astronomical. I’m terrified to see what next year will be, and whether or not it’s something I’ll still be able to afford. Claims sometimes take quite a while to be processed. Additionally, they don’t cover PT unless performed by a licensed vet, which is kind of a fine print thing. I was unable to find a dog PT in the state of CT who was a licensed vet. They are all licensed physical therapists or rehab specialists, but don’t have a DVM. Pretty disappointing since this was one of the main perks to me, having coverage for something very common, but costly and repetitive, that comes up, especially with larger dogs.

fetch denied all our claims for a foot infection and claimed it was a pre existing condition. even after the vet wrote a letter stating it was not pre-existing and we provided a full 2 years of medical history they denied our claims. our cat died from the infection. never use this terrible company

They are a total scam. If you love your dog, run away from them.

I have been a loyal customer since 2018, but recently Healthy Paws increase in my monthly premium from $124 to $346 a month for a single pet, which is unacceptable. For a healthy 13-year-old senior pet, the nearly threefold jump feels punitive, particularly when finding alternative coverage at this age is next to impossible.

Embrace sounds good until you pay and learn that nearly every vet visit is not covered. There were multiple occasions where I was told by Embrace that they needed medical records to review a submitted claim. They would request that I contact my clinic. I would contact my clinic only to learn that my clinic had already responded to the original ask for embrace. This felt like a racket and was definitely a waste of my time.

There is a lot of delay and frustration with the reimbursement process. Either my vet who submits my claims or me are constantly having to provide the same information over and over again. It is really nitpicking it seems sometimes. For example, an invoice that showed the amount due, the payment, and then there was an additional line item showing that satisfying the balance, and then a zero due line. That got pushed back at least two times with the reason being it didn’t show payment.

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