Embrace is great. I love that I am a member for 15 or more years. Very good to us. Yesterday though was the first time someone said they were going to send me a spread sheet of my dogs, Lexi, Jake, and Kings charges( how much did we spend on each dog). I told him that we need an idea of the charges to make an informed decision on picking a new policy. I have not received this spread sheet. This is the first time this has happened. I was being encouraged to maintain the 10000 reimbursement when I am trying to decide on the pricing. The amt has gone up and I need to review my option I was hoping for someone to help me with this issue. No help and no spread sheet. I have been a member for a long time. This time it was a little different than what I expected. Thank you Elizabeth Bandomer PS I still want the spread sheet

Trupanion replies quickly when invoices are submitted. I wish they covered more of the vet costs though. Our dog is old and having trouble with a corneal ulcer. Now seeing a specialist and the cost is high. Not even 50% of it is covered which isn't great especially when my monthly cost for the insurance keeps going up.

The rates have gone up an average of 30-40% every year. This year for my 2 dogs it is going up 258%. It is going from $138.09 to $356.39. One of the dogs went up 320% because he turned 10. The other is only 4 years old and went up 55%. Despite what they say in their reply it is not true. My 10 year old has been insured since he was a puppy. He has never had a surgery! He las low thyroid and arthritis, that’s it!

My premium keeps going up and up!! Almost double from 6 years ago. Just filed a claim and not much was paid starting to think its time to cancel your insurance

Call me. Sent request. No answer. 8@82607397

I had nationwide since my english bulldog was a puppy. It was doing well until September 2024, when they sent me a letter of reducing the benefits from my policy. Sad enough for me because my boy was 9yrs old that time. I had 90% back and $500 deductible, they reduced to 50% back. It was bad enough because of my dog's age despite of the yearly increase that it came to a point of paying almost $300 per month I got them from my work thru payroll deduction. They do not care on pet's health as they get old, where they were needed most. I called them but they could not give me a good reason, and I only used them when needed or in an emergency situations. I would say " never to believe and trust them, they will leave you when you most need them".

Have been a customer for 10 years with our dog. While the claims process has been fine over the years, slowly but surely they’ve raised premiums and reduced coverage. Now, they announced changes that more than double the monthly premium. So at 110+/month and minimum deductible of $750, I need to pay more than $2000 in a year before I am able to only be reimbursed 50%. Not sure how that is worth it for most people with relatively healthy dogs like ours. I won’t be returning as a customer in the future given their poor response to these changes when I called and messaged for an explanation, won’t recommend them.

Every thing you done for me has been great.

It's disgusting to see all the responses from Healthy Paws in this thread, acting like they care and that their insane and constant rate increases are reasonable and not based on age. Like many others, they told me this lie years ago when I asked about their rate increases. At the time it wouldn't have been too late for me to find a decent pet insurance company. Last year when my dog turned 10 they went up to $250/month. This year they want $364. They've paid out a total of $250 for medical treatment of my dog when she was a puppy. Don't buy insurance from this company. I really wish I'd just put the over $20,000 they've charged for 1 dog aside, just in case.

BEWARE OF HEALTHY PAWS! After 9 years of loyalty and paying their ever escalating premiums, they decided with a 60 days notice stating 8/1/25 ALL dogs 7 years plus received a 40% reduction in coverage, my deductible went from $100 to $1,000. Basically it is now health catastrophe insurance. They do not cover wellness Had I had known this I would’ve started my puppy with another insurance company that’s more solid like Embrace. I realize these newer companies start you off on a low premium with great deductibles and coverage and then all of a sudden either drop you totally or drastically reduce the benefits, upping the premiums and upping the deductible by 1000%. Now I can’t switch him because he has pre-existing conditions so I’m stuck with a high premium $1000 deductible and a 50% coverage. Go on Reddit, FB etc. and you see people’s reviews. This new policy just happened August 2025. BEWARE OF HEALTHY PAWS