Takes a long time to get paid back.

They could uphold the terms of their insurance contract and stop wrongfully denying claims.

So very disappointed with processing claims , the amount of reimbursement and overall lack of being clear . The customer service was great but never could do anything to help. This is not the Pet insurance company they have an underwriter that doesn’t want to pay out claims. When I called to cancel within the first month and mentioned I was so happy I didn’t cancel my other pet insurance I was asked which one and when I said the name she sounded surprised! She actually said “are you serious?” The other company has paid out on all claims and I’ve never had a problem but I wanted an insurance company that would cover Dental well they don’t if there is anything in the pets file stating they had anything tooth problems prior there is a 180 day waiting period.

We are longtime Health Paws clients. On June 5, 2025 we received an email from Healthy Paws, indicating that, effective July 4, 2025 Healthy Paws, will be transitioning their credit card billing services to a third-party vendor, and that they will impose a 2.99% fee on all credit card payments, for Healthy Paws premiums. Previously, Healthy Paws charged no fee for monthly premiums, paid by credit card. In essence, Healthy Paws has increased our already expensive premiums, by 2.99%. That's a lot of money.

I wanted to share my experience to help others make an informed decision. After 14 years with Healthy Paws, I was forced to cancel my policy due to an astronomical premium increase. Over just four years, my monthly premium jumped 572%. I was already paying $431/month—but then they asked for $776 more per month, bringing my total to $1,207/month. Like many newer customers, I started at a very affordable $34/month and had few issues or increases—until my pet turned 10. After that, things changed dramatically. Age suddenly became the biggest factor in pricing, despite what I had been told when I signed up. The stress, fear, and financial uncertainty this created have taken a serious toll. I now face the reality of having an older pet with pre-existing conditions—hard to be insurable elsewhere—because I trusted the messaging that age wouldn’t be a factor that impacts premiums (simply Google this and see how they publicly stated this, such as an article from Consumer's Checkbook). I believed Healthy Paws would provide lifetime support, but the policy model now feels unsustainable and, frankly, unfair to long-term customers. From my research and reading others’ experiences (especially on Reddit), it seems these extreme increases began around 2020–2021, around the time Westchester Fire and Chubb took over operations. This was once a company I proudly recommended. Now, I feel a responsibility to warn others—especially those with aging pets—about what may lie ahead. If you're reading reviews here, take note of how many 5-star ratings are marked as “Invited.” From my experience, these are often from customers who were prompted to leave feedback after a recent claim or support interaction. That doesn’t make them dishonest—but it does suggest they may not reflect the full, long-term experience. Please look beyond the star rating and read reviews from people who’ve had policies for many years. Healthy Paws may still work well for new customers, but it’s crucial to understand how things may change as your pet ages.

The underwriters wrote false information about my dogs that they had periodontal disease and one of them was aggressive. They said anything to do with aggressive behavior they would not cover. I called my vet and they verified my dogs, did not have periodontal disease, and they were not labeled as aggressive. The underwriter reasoning for labeling my dog as aggressive was one of my dogs did not want the thermometer in his behind which is normal behavior. I was so outraged by this I did not even want to file a dispute. I immediately cancelled this insurance and demanded a refund. I used nationwide for years with previous pets but never again! Liars!

Been with the company 10 years. Started out great but in the last 2 years I've gotten a 30% and then a 300% increase to over $1100/mo. ZERO loyalty with this company. Please do not support corporate greed with Embrace. Find somebody else ... anybody else.

I am deeply disappointed with my experience. Based on my interactions, I cannot recommend this insurance. In hindsight, I would have been better off opening a savings account and depositing the monthly premium myself. Before proceeding with my dog's neutering, I called to confirm if the procedure would be covered if deemed medically necessary. The representative assured me it would be, provided it met that condition. After my veterinarian evaluated my dog and recommended the surgery due to recurring infections and blood in his urine, I trusted that the medical necessity would be clear. Unfortunately, the insurance company later determined on their own that it was not medically necessary — disregarding the professional recommendation of my veterinarian. It is disheartening that they override the judgment of a licensed veterinarian who has direct knowledge of the animal's condition. What makes this situation even more frustrating is that I sought clarification beforehand and was not informed that the insurance company would independently decide what is necessary, regardless of veterinary advice.

I can't rate you yet because I don't know if I've been approved.

I was supposed to receive an additional direct deposit as my full reimbursement was not given to me. I spent time on hold, spoke to a woman who agreed I should have that deposit, but it never showed up.