no one ever got back to us. Even though I am a corporate customer

I've been with Healthy Paws for almost 10 years. Rate for my dog has now almost quadrupled and it is proving to be very difficult to cancel. I've emailed, left messages and when I finally got through, I'm now on hold with another party. They should make it easy to cancel on the site and you can't, so for this reason they've lost my trust.

So far so good. Waiting on a claim payment over one month. However they reassure me that it will be paid asap.

I used to joke all of the time that “Nationwide is on our side”. Well, things have changed. Significantly. My cat is 13 years old and we have never once used the insurance because I have the major medical. It does not cover wellness or anything like that and he has been healthy. The rates keep increasing by significant amounts that I can no longer afford it. I think I would be too depressed to do the math regarding how much money I have given nationwide in 13 years and not actually used any of the insurance. The payment went from $73 per month to $124 per month. And that is with a $250 deductible. Not including wellness or prevention. I am going to have to drop my cat’s policy which puts him at great risk for the future because I won’t be able to afford treatment for him. Does anyone understand how scary that is? 13 years. And this is what we get??? Definitely do not get this insurance. There has to be something better.

Very fast processing and got my annual paid for quickly. BUT, BEWARE!! My total amount was $175 and my payment was $20/month, so I took a LOSS of over $70. Be sure you will have an annual of more than $240!!

Overpriced

I’ve been paying every month for a year, my dog has an accident, and I submitted everything to them, they denied the claim saying it wasn’t an accident when the veterinarians notes clearly said it was an accident for acute lameness. Long story short, after I placed a call to them, they are only paying out $41 and my bill was over 200. They said I would’ve got more if my dog was in the rewards program which nobody ever told me about and it would be more money that I would have to pay monthly. I canceled.

Unless you begin to insure your pet from the time they are born, this insurance is useless. They consider everything you have taken your pet to vet for as a PRE-EXISTING CONDITION and do not cover. It's useless for a pet like ours that is 6yrs old. You also have no control or idea what the vet writes in the medical records and will consider that as PRE-EXISTING. Disappointed and if my claim for our last visit is not covered, I will likely cancel this insurance.

Claims site is terrible, both on app and via web. Uploaded every possible clinical document, but they didn't seem like they even looked at them and delayed claim process while "awaiting clinical information". I still haven't had an outcome but Embrace sent me an email asking me to review them, so this is where we are at. Maybe when the claim is finally adjudicated, I may have further feedback.

I’ve carried insurance on two dogs for the span of almost their lifetimes. One pup I dropped insurance at age 8, the other kept until she passed (more active dog). When my pup was diagnosed with lymphoma, I thought I’d be happy to have the insurance. I was reimbursed for 1/4 of what was I spent. Cancer meds not being covered, consult fees not being covered. I’m really wondering now if the thousands I spent on pet insurance was ever really worth it.