Should have known all insurance companies are scams! WHETHER it BE HUMAN OR PET! They are all scams! I got denied because it wasn't deemed an urgent!!!

There is a lot of delay and frustration with the reimbursement process. Either my vet who submits my claims or me are constantly having to provide the same information over and over again. It is really nitpicking it seems sometimes. For example, an invoice that showed the amount due, the payment, and then there was an additional line item showing that satisfying the balance, and then a zero due line. That got pushed back at least two times with the reason being it didn’t show payment.

The website is too difficult. You asked me at the start what my HOME zip code is. Then at the end when I wanted to purchase, you asked me my BILLING address, but I couldn't edit the ZIP code and I had to hit back, back, back all the way to the start to change the Zip code to my billing Zip code. They should have an option on the check-out page to change the billing zip code.

Pets Best did not pay a very straightforward claim. My dog's foot was injured. It was written in my policy that injuries like this are covered. I just requested to cancel my policy. I will just put money in my savings account. I spent close to $ 500 on insurance for nothing.

I have been a loyal customer since 2018, but recently Healthy Paws increase in my monthly premium from $124 to $346 a month for a single pet, which is unacceptable. For a healthy 13-year-old senior pet, the nearly threefold jump feels punitive, particularly when finding alternative coverage at this age is next to impossible. What makes this even more disappointing is the clear contradiction between Healthy Paws actions and their stated values. On their website, they claim: • “First and foremost, we’re pet-lovers. Everything we do is driven by our love of animals and our commitment to pet health.” • “Our compassion for animals… drives us to offer the best product and an extraordinary caliber of service.” • “Pet Insurance plans to protect your pet and your finances.” Yet raising premiums to such an outrageous level for loyal, long-term customers demonstrates the opposite of compassion and care. Instead of protecting pets and easing financial stress, adjusting my policy premium to $342 a month for one pet does the exact opposite. As someone who works in the pet care industry and spends every day in veterinary hospitals, I have recommended Healthy Paws to countless families over the years. Sadly, I can no longer do so in good conscience. This experience has completely eroded my trust in their company and what they claim to stand for.

They are a total scam. If you love your dog, run away from them. I'm still waiting for a claim and a refund, one month later. I had them because of Chewy, but when I sent my dogs claims for the first time, they would disappear from the website, I emailed them, and they said they had nothing. I took print screens, and they said they would do it by email. After that, they said my first dog had an ear infection because he made a test to see if he had something, and because he had had it in the past, they would not cover it. But he didn't have any, they just didn't want to cover the diagnostic test. And this guy Ali would insist that my dog had an infection, this representative is the most lying, rude person, I do think the guy has even issues against clients or me. I canceled the service with them, and after I canceled they charged me. I sent an email, and the guy said they didn't refund me yet because now there is an error in the system, and they put my cancellation date wrong. Hilarious. Now I'm still waiting for my refund and my claim... Worst customer support, worst experience ever.

Embrace sounds good until you pay and learn that nearly every vet visit is not covered. There were multiple occasions where I was told by Embrace that they needed medical records to review a submitted claim. They would request that I contact my clinic. I would contact my clinic only to learn that my clinic had already responded to the original ask for embrace. This felt like a racket and was definitely a waste of my time. In the end, I spent more money on Embrace covering two 9 year-old dogs, then just simply paying the bills myself. Not worth the money or the hassle.

Overall MetLife is pretty good for pet insurance, however after the first year they hiked my monthly price up by over $30/month which seems astronomical. I’m terrified to see what next year will be, and whether or not it’s something I’ll still be able to afford. Claims sometimes take quite a while to be processed. Additionally, they don’t cover PT unless performed by a licensed vet, which is kind of a fine print thing. I was unable to find a dog PT in the state of CT who was a licensed vet. They are all licensed physical therapists or rehab specialists, but don’t have a DVM. Pretty disappointing since this was one of the main perks to me, having coverage for something very common, but costly and repetitive, that comes up, especially with larger dogs.

Absolute worst customer service, when they can’t help/ don’t know the answer they just hang up. Also deny claims that are explicitly covered under the contract and again just hang up to avoid accountability. Do not buy this insurance.

fetch denied all our claims for a foot infection and claimed it was a pre existing condition. even after the vet wrote a letter stating it was not pre-existing and we provided a full 2 years of medical history they denied our claims. our cat died from the infection. never use this terrible company