Takes a long time to review and approve claims. Was told when I signed up for the insurance claims would only take 3-5 days. It can take up to over a month. Otherwise I have 3 dogs under the unlimited plan and the charge per month is not terrible and the reimbursement is set for 80%. It's just the turn around of getting reimbursed

The fecal tests that I submitted with the claim was not approved and stated as preventive. However, there is not a way to diagnost and follow up about this desease unless a fecal test is made.

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.

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.

I have had Nationwide pet insurance for years for my animals. We were unaware of an expired credit card on three of our animals plans, and were not informed of this expiration. Nationwide claimed they sent us a letter in the mail, but didn't update our portal or send an email like every other communication - including the one for this review - was sent. We had a valid credit card on file for our 4th animal but our other 3 animals were dropped. We discovered this issue when our claims we denied despite the prior month (when we supposedly would not have been insured) being accepted. We are now not allowed to reinstate our insurance because during the time of coverage our dogs have gotten too old to have the insurance they now need. We are left stuck with over $4k in bills and more to come for two aging dogs. To say we are disappointed is an understatement.

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

Have not heard anything back regarding my application

I found it frustrating you denied my claim and I had to go through the appeals process. On top of that, no one even contacted me to speak about the decline. If you're going to decline a $3000 treatment, you better talk to me to explain what's going on. I am reasonable satisfied by the appeals process but still feel you did not cover enough

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.

My policy lapsed because my policy was not on autopay. In fact, you cannot put an annual plan on auto-pay like all your other bills. So make sure to manually pay every year so that you don’t end up getting stuck with a bill that you thought would be covered. So lame.