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Exceeded My Expectations
Embrace has exceeded my expectations on coverage for my pets. Both 2024 and the start of 2025 have been extremely difficult for one of my pets with Laryngeal Paralysis, and several complications from tie-back surgery. Each time I've submitted a claim, I'm amazed and appreciative at the ease and timing of the process as a whole. Thank you, Embrace!
Insurer: Embrace
By: Sheena Perez
Response time
the response time from submitting a claim to the claim being paid. Highly recommend.
Insurer: Fetch
By: Judy
Claim turnaround time
We recently signed up for Spot pet insurance (accident and illness coverage only), and both of our young labs happened to have an injury and an illness around the same time. I sent in the claims - there were a few with medication, examination, and a surgery - and within 1-2 days they were working on the claims. We had the money in our account within one week. Their promptness and communication was timely and efficient. We recommended Spot insurance to family and friends.
Insurer: Spot
By: Joanna Mathews
Asked me to return their reimbursements
ASPCA has been great... until last week, they reached out to me saying they had an error in their system, and they accidentally approved several claims that I had over 6+ months ago that they now believe were potentially caused by a preexisting condition. Which is not the case. And they now have the audacity to ask me to repay them over $600 in the next 30 days from reimbursements they made to me literally over 6 months ago. Absolutely absurd and unacceptable. I am good about not submitting claims that are truly for preexisting conditions, so this is just truly disappointing.
Insurer: ASPCA
By: Katherine
I’m switching to Embrace.
I’m switching to Embrace.
Insurer: Spot
By: Danielle Meiss
Pet Partners is a Waste of Money
Pet Partners is happy to take your money, but not to actually pay legitimate claims nor communicate changes in policy. An absolute waste of money. They neglected to tell me my dogs had “aged out” but kept taking my premiums for extra policies. When my Golden had an accident and tore his CCL (acl) they informed me that vets consider this injury an “orthopedic illness” and therefore not covered as an accident. This is absolute rubbish. There is language in the declarations page about a waiting period for CCL/ACL coverage but NO ACTUAL COVERAGE.
Insurer: PetPartners
By: Laurie
Easy claim processing
Appreciate the quick turnaround for claim review for the hyperthyroid treatment my cat needed
Insurer: MetLife
By: James
Healthy Paws is absolutely a must-have.
Healthy Paws is absolutely a must-have. We have 3 pets on our policy, two big dogs who recently passed around pneumonia for over 2 months, one required hospitalization. Healthy Paws had our back the whole way. Instant claims processing, direct deposit of reimbursements within days (not weeks). Healthy Paws + 0% APR Care Credit is the way to go to ensure your pets get the treatments they need, right away. Right after our pneumonia scares, one of our dogs tore his ACL!! Over $8,000 in treatments and counting, and Healthy Paws once again had our backs. We feel so safe knowing we have a Healthy Paws policy, that our pets are protected no matter what. We are 100% Healthy Paws for lifers and recommend them to anyone that doesn't have pet insurance yet or doesn't like their provider.
Avoid This Company – Terrible Experience
This insurance company has been incredibly frustrating to deal with. They don’t respond to emails, even though they recommend this as a way to communicate. When you call, they give you the runaround, and the information from one manager contradicts what another told me just days earlier. I paid premiums for six months to insure my two healthy cats. Both have all necessary international documentation, including microchips, passports, vaccines, and veterinary certificates. After six months, I took one of my cats to the vet for an ear infection and advice on food, as the cat had vomited three times in one week. The veterinarian explicitly noted in the medical file that vomiting is “not unusual.” The issue resolved entirely after switching food, which is also documented in the file. Despite this, the company claimed I hadn’t provided the “correct” medical documents—even though the documents I provided fully complied with the requirements outlined in their User Guide. I sent all required documentation when I enrolled and clearly stated, “If you need anything else, please contact me.” They never contacted me. Instead, six months later, they retroactively canceled my policy and promised a refund. It’s now been over three weeks, and I still haven’t received my money. To make matters worse, they created new policies for my cats and labeled everything from that vet visit—including notes from the anamnesis (not even a diagnosis)—as pre-existing conditions. For example, they listed: “Vomiting / Emesis and associated conditions” Seriously? Vomiting is a natural behavior for cats (e.g., regurgitating hairballs). It’s also a symptom of countless possible conditions. By labeling it a pre-existing condition, they’re essentially trying to exclude everything. This company doesn’t provide insurance—they provide excuses to deny coverage. Avoid them at all costs.
Insurer: Pets Plus Us
By: Danila
pet lover
Healthy Paws has amazing customer Service. Getting claims approved is so easy and they even emailed me to check up on how they were feeling. Highly recommend
Insurer: Healthy Paws
By: Steven