Heathy Paws is horrible. Bottom line.

I reviewed this company last year and wanted to give an update/experience for comparison. I was paying the monthly insurance premium, submitted vet bills and received zero dollars back. Someone recommended Fetch pet insurance so I swapped over. Went to the vet submitted the claim and received the full amount back. What a huge difference. Even when Fetch said they needed additional paperwork they did the work and reached out to the vets office to get what they needed. Hope this helps anyone out there looking for pet insurance. My vets office said that Lemonade was another good one. Steer clear of MetLife pet insurance. All I did was lay money out at the vets and for the monthly premium and saw nothing in return.

I only wanted a quote.

Continued payment increases with excuses that costs have gone up in states, claims paid out exceed revenue brought in, and generally tone deaf customer service. No option to get exams covered either (for illnesses or injuries). Just the actual medication and any procedures. Other insurance companies are cheaper and have good ratings.

I submitted my first claim after almost 2 years of Embrace Pet Insurance and they told me the emergency hospital. I took my dog to with a $400 bill. They don’t deal with that hospital. What the heck is that all about? I am definitely switching insurances and if you were smart, you’d read the fine print. I’m done.

BEWARE: Fetch Pet Insurance!!

The Embrace program, benefits and costs were remarkable! Trying to get the vet notes, medical records, and claims over to the review people were terrible! No one would make it easy to get the records to them, therefore they don't have to pay any claims! The vet emailed, faxed, and called but Embrace said they have no records that any of that occurred. I emailed twice and called 3 times and they said they didn't have records of those either. Finally talked with the salesperson that had us email her directly and she took care of the problem. The email addresses and fax numbers were correct and she couldn't figure out why the computer wouldn't accept the previous attempts. I quit Embrace after that! I do not recommend this company! It took one month and a lot of hassel to resolve this issue.

First claim was easy, her first set of shots. This one which was for a $550.00 emergency service has yet to be resolved since 6/14. Horrible customer service by a gentleman I spoke with when I called. Listening should be a key component of service not arguing. This procedure was performed by an emergency clinic but they are still asking for records from the primary. All paperwork has been submitted numerous times diagnosis with detailed info, what procedure was performed and invoice, but still no resolution. A waste of time and energy for $45.00. I never write bad reviews but will end up cancelling my policy. Really disappointed. This claim has lasted longer than a month.

They never sent my the explanation for a double charge via email as requested. Double charge was never returned, let alone explained. A month after double charge insurance went from 100 per month to 150. This is after being a loyal customer for years, which I still am. I’ve had good experiences as well with this team but it’s hard to overlook unexplained charges and such spikes in cost.

Disappointed