I’ve been a loyal Healthy Paws customer since we brought our puppy home 10 years ago. In all that time, I never missed a payment and only submitted a single claim—for under $500. I expected premiums to increase gradually with age, and over the years they rose to $105/month. Reasonable enough—until this month.

Customer service is poor. Its all autobot so anything not in "parameters" get ignored.

I would put zero star if I could. I submit a claim a year ago in august , and still did not get a check . did not get any value for my yearly insurance will cancel for next year

The worst insurance company on Earth.

Disgusting customer service when trying to renew policy! They have increased my policy for 2 dogs 6 & 7 never claimed by over £800 a year and feel this is fair !

I have submitted my pet's records multiple times to Embrace and so has my vet. I keep getting messages that I have to resend them and that my claims are on hold until my vet and myself resubmit the invoices. I have met other people that have Embrace and they never had this issue. My vet clinic is surprised also, as they submit many claims to them as well.

I've been a Trupanion member for 15 years. The coverage plan is straight forward and I had very few issues over the first decade. However, the steep rate increases over the past three years have been alarming. The justification for the inflated rates no longer lines up with rational thought and it feels like the loyal client base is now being taken advantage of, not being able to switch providers if pets have developed pre-existing conditions.

PREDATORY rate hikes. I’ve had insurance with them for the last 6 years, and my rate shot up from $78 to $178 this year. Their reasoning was made with baseless claims that aren’t supported by hard data, saying the rate in my area went up because pet parents were filing more claims. Even if that were the case, never has my rate risen over 100%.

Trupanion will insure you… until they find any excuse not to.

Lemonade has stalled the processing of a claim that is clearly covered. In fact, the company already covered a previous claim emanating from the exact same condition that is the subject of the current, stalled claim.