I had a great experience w/ Healthy Paws and luckily I only had to file 1 claim and they paid it quickly. I got an email from them informing me of their absurd premium increase, more than double, which is absolutely insane. I saw there's a lawsuit against for the same reason. This is from them-" Current Monthly Premium: $68.00 • New Monthly Premium Starting in 63 Days: $155.25." I cancelled my policy and will be getting a more affordable plan elsewhere.

This company is a SCAM! They denied my claim for my dog's hospital visit without explanation. Please don't fall for this fraudulent company.

Our dogs policy was cancelled supposedly due to not being cost effective. Therefore, I had to enroll her as a new policy and now they will not cover pre-existing conditions that they themselves had already covered for the last 4 years. I have been a loyal customer with all of my pets for over 15 years. I believe this was a scheme they made up so all existing customers pets would no longer be covered and save them money. The coverage is the exact same as what my dog had before with just a different name, and no pressure-existing conditions of course. I am now canceling and going with another provider who will cover her and will care about my pet. Nationwide I think conned everyone, when really it was all to get more money.

My 6 year old Newfoundland required surgery which cost $4000 to repair a defect in his throat; Embrace denied the claim because he was once seen for a cough; calling laryngeal paralysis a pre existing condition. Now they want to increase my premiums in May; the anniversary of the policy.

I have had Embrace for just over a year now. I have 3 claims, one was denied which is ok, it was within 14 days of getting the insurance, however the other 2 are still "on hold" even after giving ALL information requested. I have paid so much money to them and they refuse to honor my policy. STAY AWAY FROM THIS INSURANCE COMPANY

They offer a medical history review for pre-existing conditions and refunds within thirty days of purchase. What they don't make clear is that there is no way to complete the medical review in that time frame. On day thirty two, Embrace confirmed a long list of conditions they wouldn't cover, despite my request for review immediately after signing up, and refused the refund.

My representative was absolutely great. Loved him. If I could review him separately, he'd get 5-stars without question. He was very personable and helpful throughout the whole process and took the time to explain anything I had questions on. However, I feel that the options for pet insurance plans have significantly dropped in quality and coverage, especially after having my grandfathered-in whole pet w/ wellness policies (3 pets) cancelled (like so many others did, I'm sure). Am I still going to insure my pets? Yes, because I love and care for them. But am I also greatly upset by the severe downgrade in coverage and care? Yes. I cannot express in words the sheer level of disappointed I am with this shift. This has definitely taken a shift toward accident-only coverage and it's highly disappointing that my pets are now treated more like a car than a living being.

After 10 YEARS With Embrace, I Can Honestly Say, They Will Come Up- With Excuses Not To Pay You For Your Dog's Seminal Check Up! Since December 2024, I Have Been Paying $110 MONTHLY for My Dog Insurance. They Raise My Monthly Payment every 3 1/2 Years. My Last Vet Checkup Bill was roughly $464.00, but Embrace Only Paid Me FOUR DOLLARS AND NINE CENTS! When I Complained, They Said I Filed Two Days Too Early Before My Next Payment Date. Ths is The Second Time Embrace Has Cheated Me Out of Hundreds of Dollars. I Have Always Paid Them on Time and Have Not Had Any Major Dog Surgery Problems. You need To Go To The Vet Within The Dr. Time Frame For Seeing Your Dog. I Have Complained To The State Insurance Agency That Overseas Embrace Dog License. I also Sent In two Letters From The Embrace Portal Showing i was Told I Would GET MORE MONEY. They Gave Embrace 165 Days To Respond. I Am Still Waiting To Hear The Response From (Sorry A$$) Embrace. By The Way, Embrace Is Owned by USAA LiFE IINSURANCE Which I have Been With For Over 50 Years. USAA Did Not Give Me The Time Of Day When I Complained To Them. For The Last 7 Years, New Management Has Taken Over. USAA and Run It Into The Ground! USAA Used To Be An Excellent Company--Not Anymore.

I am incredibly disappointed with MetLife’s pet insurance service, particularly their customer service and claims process. I attempted to file a claim for my cat, providing all requested documents, but their app repeatedly flagged missing information, delaying my claim without clear guidance. When I contacted customer support to clarify, I was told I needed a “benefit document” from my previous pet insurance provider. This requirement is unreasonable and poorly communicated for several reasons: I am no longer a customer of my previous insurer, making it extremely difficult to obtain such documents. MetLife never mentioned this requirement when I switched to their policy, leaving me blindsided. If MetLife were my first pet insurance provider, would I be unable to file a claim simply because I lack a prior insurer? This policy feels designed to obstruct claims. The customer service team offered no solutions, and their app is frustratingly unreliable. This experience has been the worst I’ve encountered with any insurance provider. MetLife’s lack of transparency and poor treatment of customers has left me deeply dissatisfied. I will not use any MetLife products again and strongly caution others against choosing their pet insurance.

I had met life for over a year and insured my 4 cats under them. In that one year I went to file a single claim for $148 for my cat who had an eye infection. My vet is amazing and this is not a review on my vet they are amazing. They gave me the typical sheet that they print out with all the costs and breakdown of the treatment. I took a picture and uploaded it to met life. They denied my claim stating they need a doctor's written notes on them, which the vet office has never heard of. The chart was very straight forward they examined my cat's eye, did a stain to check for scratches, and gave me antibiotics. I tried re-uploading it, denied again. The vet office does not have any other paperwork to give me then what they gave me. Will never use this again, I was paying over $120 a month to keep this pet insurance and have a good deductible and am completely over it.