We have been a member for over 5 years. Minimal increases over the years. I was just informed they are cancelling the My Pet Protection Plan to replace with My Pet Protection Choice. This is less coverage for a whopping 300%+ increase from $77 a month to $316.70 PER MONTH. My dog is 12 years old. I now have to find new insurance as a result. Nationwide will give you a great first experience and then screw you when your dog gets older. They could care less about your dog.

Hereditary disease isn’t covered. Other pet policies do so please check them out. Would not recommend this policy after having 18 years with this company. Then to add insult, moved to Florida and they threw on a Florida fee.

We have been with Healthy Paws since 2019. My 6 year olds monthly premium is about $67 (increasing to $87 soon). My 8 year olds monthly premium is $87 and they’re increasing it to $207. He has had very minor issues this entire time and only a few claims. This is not right and it’s not okay. We currently pay $154 a month total and it’s increasing to $300 a month total. There is absolutely no reason why my 8 year olds premium should more than double. Again, this is not right or okay. We have been customers since 2019 and I can’t believe a company would treat customers this way. EDIT - I have already sent three emails to discuss this with no response.

Your online reporting of a claim is not very user friendly. It asked me to put in a diagnosis which I did and it keeps telling me that "no Diagnosis was included."

They almost never approve any claim. You might as well throw the money down the drain. As per the agreement, there is a lifetime deductible for a health condition. Once the deductible is reached, we should never be charged again. But in practice, they always deny the claim.

We've used Healthy Paws for our two dogs' insurance for many years. Their rate hikes are absolutely astounding and unbearable once you start using the insurance or you're a few years in. Today, we got a letter saying they'll add a 2.99% credit card surcharge to their rates. Considering their parent company, Chubb Limited, brought in over 55 billion dollars in revenue in 2024, they should be able to cover credit card fees. Terrible. Would not purchase again. Stay far away from these money-hungry grubs.

I could not be more disappointed with the delayed response to claims and then receiving an email that my dog now has preexisting conditions for issued that first occurred while insured by Embrace and now told coverage would no longer be provided a scam in my opinion

We adopted two kittens, brothers, at the same time, with the same completely clean medical history. They soon showed symptoms of parasites (almost certainly from the adoption facility they were in). One of their claims was approved and the other was denied, citing a "pre-existing condition". We ended up needing to spend over $10K on emergency vet services to keep our little boy alive and MetLife covered exactly none of it, due to this supposed "pre-existing condition". We would've saved more money and headache by foregoing the insurance altogether.

I haven’t heard back yet - soooo… how could I possibly give a positive review?

Update June 15: Trupanion did not cover any of the costs associated with my dog's illness. Then they followed up with reducing the amount they were paying for her Invertebrate Disease because I had rehab (not paid by Trupanion) for her elbow and knee. Trupanion decided that my holistic treatment "could" have also be treated for the Invertebrate Disease and reduced the amount. Finally, to top it off, they increased my premium with 2 weeks notice, They claimed that they sent me an update, but somehow, I didn't receive the email notice. How on earth did they know that I hadn't received the email? If you want to be treated horribly after paying premiums for over 14 years, then you may want to consider Trupanion. Otherwise, you have many other options now - you should exercise those options. If I could write a zero review I would. My 14 year old dog has been with Trupanion since she was 10 weeks old in 2011. We rarely had any claims until she reached about 12 years old. After paying our premiums for over 14 years, Trupanion is now taking almost 4 weeks to review a claim for a condition that has been covered for over 2 years. Our premium was also increased as our claims increased and when we appealed Trupanion’s decision to apply a deductible when it had already been paid for the same condition.