What ever pain your pet have, they call it new “ ‘condition’ not to pay, Pain is not a condition, is temporary.

I have really struggled to get Embrace to understand I split my wellness bills from the vet into payments with the vet. I have had claims denied because the vet receipt to me says zero, but the charge was moved over to my installment, and they won't accept the installment because each payment to the installment doesn't have a wellness item attached to it. I send in both the zeroed out bill with costs, and the installment receipts, and still get denied. After the companies response, and attempt to follow their instructions for successful payment, I was just denied again, Although the action happened within the guidelines of the policy, they deny based on paperwork the vet has available. So a company that is offering insurance, but not paying, and the customer can't do anything about it because they are limited to what the vet provides. I have sent in a BBB complaint and I hope this company can align their claims to vet clinics so the customer isn't in the middle paying for something they are not getting. And masking as military friendly when in fact they are not. A complaint to USAA to remove affiliation is next.

Figo drops the Ball on the amount of time they take to get your Claim done. I submitted a Claim on 8/20/25 & here it is 8/27/25 & my claim is still in Review. I am seriously thinking about dumping Figo & finding another Pet Insurance Company! Figo has not met my expectations whatsoever! Figo needs to do a lot better at processing claims in a timely fashion! I so far am not happy with the Figo turn-around time!!!

I insured my dog and cat for 12 years with Nationwide. I regret that I did. It was a waste of money. I never made a claim for the cat, but the dog had several surgeries after she turned 10. She had three benign tumors removed. Then she developed lymphoma and had a fourth surgery. Her ultimate, fatal condition was a trigeminal nerve sheaf tumor, which was inoperable. She died August 1. I paid them thousands of dollars over the years. Between $15,000-20,000 for the two animals. The reimbursements were a small fraction of my costs for care. At one point, she had a tumor removed from her eyelid. The bill: $3,500. The reimbursement: about $700. What's the point of paying for insurance when the coverage is so miniscule? I would have saved thousands of dollars by having no insurance at all.

An absolute scam. My senior cat had a UTI this summer and an ER bill for $1300. They denied the claim stating the UTI is a "preexisting condition" because he has urinary crystals when there were no crystals present at the time of his ER visit and a UTI is a BACTERIAL INFECTION, completely unrelated and caused by grooming/ecoli. I worked as a vet assistant, in a vet hospital, and in animal welfare, I understand this condition and this is completely unrelated. For a human comparison, this is like going to the doctor for the flu and your insurance refusing to pay for the visit because you also have asthma. How can a cold or the flu be a preexisting condition??? They denied my claim, I filed an appeal, and they denied that, too, so I canceled my policy. For the $130/month I've paid for a year I could've paid his vet bill in cash instead of being out $1300 and having to deal with this. Save your time, energy, and money.

this company was great when I first started using them. now they are getting greedy and increasing my premium over 20% more than the year prior. when I try to sign up a new pet with this company the rate is the same as what I am currently paying. They are arbitrarily raising my premium with no cause. They have been extremely slow to reply when reaching out for additional explanations. Look elsewhere for a pet insurance company.

It’s an absolute scam!!! We submitted a claim for my dog that was in the animal hospital for 10 days due to Addisons. She wasn’t diagnosed with it before our claim on 7/22 before. My dog went to the vet in January,( 6 months) before because she had gastritis. They saw she was vomiting and elevated pancreatic enzymes and denied our claim due to related symptoms. My dog received a bad batch of dog food, was even tested and came back with issues, totally unrelated to Addisons. I guess my dog can never vomit again at the animal hospital or whatever she has will be denied. Do not get pet insurance through these crooks!!!

I've had a policy with Healthy Paws since 2016. I just received a notice that my premium is jumping 154.3% and I am facing a yearly increase of $4,589.16 in premiums. Buyer beware, they will jack your premiums out of nowhere (I'm not talking the expected annual increases, this increase is unreasonable) and you will NOT be able to get coverage from any other insurance company if you have any claims as they will all be deemed preexisting conditions. I paid into their policy for years and years and now they want to get rid of my dog.

Couldn't just sign up for accident insurance. I don't know if that was my fault or that you can't just sign up for accident insurance. Also I tried to login to my new account three times and was unsuccessful. I don't know if it's because we have an annuity with you as well.

Embrace finds extremely far-fetched reasons to deny claims, and fights tooth and nail against paying what they owe.