They care about your animals and they are willing to help you

For the amount we're paying, seems silly to keep insurance with how much isn't covered. Preventative care is the one thing that should always be covered since if we continue to do so, the insurance companies would be paying less long term. Instead only a fraction is covered. And that's only if you're paying for the Gold or higher

I disliked that I was unable to update my address, even asking for help

This company USED to be a decent company. NOW, it does not respond to emailsm nor calls. No one even answers the phone. We had over $1200.00 in claims and NOT ONE of them are eligible to be paid or for three months they are still "pending". What the negative reviews are stating IS TRUE!! DO NOT sign with this company. I am cancelling today!!! So tired of waiting to hear about "pending" claims though we and the animal hospital have submitted everything that was requested. BYE

Yes, honest and helpful.... really ? I have purchased insurance from Healthy Paws when my dog was 5.5 years old ( in 2017): I chose 70% company-30% me, and 500$ deductible. I have paid for 7-8 years, never used it. They don't pay regular visits. I took my baby to ER back in January 2025. After a short visit of few hours the final bill was $1000. My deductible was $500, so then they should have paid 70% according with my plan. They said they don't pay the visit ( $250), so I was left with 250$ bill hoping to get 70% which means $175.00... well Healthy Paws invented a new Math and sent me a check of $46. Please be aware they do not cover the percentage they said !!!!

I have had Lemonade for 3 years for Home Insurance, at about $1500 per year. Right now it is September 2025 and I just received my renewal...wanting $7,394.

This company is incredibly predatory, avoid at all costs. They use past incidents of symptoms (like vomiting and diarrhea) as an excuse to deny claims for completely unrelated conditions, and utilize a blatantly subjective review of medical records - even against veterinary standards & consensus - in order to serve the company’s best interests. Symptoms like vomiting and diarrhea can occur due to MANY different conditions, diseases, and illnesses… that’s why they’re considered SYMPTOMS and not standalone conditions. But if your pet had a single instance of vomiting OR diarrhea within the past YEAR due to something like a diet change, bacterial infection, or just eating something it’s body didn’t agree with, ANY future condition associated with EITHER symptom will be considered a “preexisting” and denied on that basis. Eg., say you took your 4 month old puppy in for vaccines and told the Vet he/she vomited the day before due to getting into the trash or a recent diet change, and then 10 months later your dog needs emergency care for something like acute gastritis, a severe allergic reaction, or poison consumption (even intestinal blockages have been denied on multiple occasions) and vomiting is one of the symptoms, Embrace WILL deny the claim because of the past documented incident of vomiting (some customers have successfully challenged denials for blockages that required surgery after a time consuming appeals process, but those claims never should’ve been denied in the first place… Embrace frequently uses initial denials as a business tactic because they know a lot of people won’t even bother to jump through all their hoops).

Extremely helpful and kind with giving me options and advice.

I’ve had this insurance for two four years I used to have a different insurance that paid better every time you’ve processed your claims this insurance has been going up every year and pay it out less even if you don’t have your dog diagnosed for the correct disease they may have very difficult to get them to pay the full amount The other insurance I used to have with a lot easier to process. I really don’t recommend them so I went ahead and cancel them. It’s just not worth spending the money for two pets when they do not process the paperwork on time claims they request so much paperwork by the time you get done it’s like 30 days to have to wait to process granted you get a military discount but in the long run, it’s not worth it.

Just received my renewal after 10 years of covering our dog since he was a puppy. I've paid the expected rate increases each year. I've held a $250 deductible with 90% reimbursement coverage the entire time.