Hereditary disease isn’t covered. Other pet policies do so please check them out. Would not recommend this policy after having 18 years with this company. Then to add insult, moved to Florida and they threw on a Florida fee.

Not completely clear to me when the coverage starts and how to file a claim.

I don’t like that it takes too long to get reimbursed. It seems to take much longer lately.

They almost never approve any claim. You might as well throw the money down the drain. As per the agreement, there is a lifetime deductible for a health condition. Once the deductible is reached, we should never be charged again. But in practice, they always deny the claim.

We've used Healthy Paws for our two dogs' insurance for many years. Their rate hikes are absolutely astounding and unbearable once you start using the insurance or you're a few years in. Today, we got a letter saying they'll add a 2.99% credit card surcharge to their rates. Considering their parent company, Chubb Limited, brought in over 55 billion dollars in revenue in 2024, they should be able to cover credit card fees. Terrible. Would not purchase again. Stay far away from these money-hungry grubs.

Your online reporting of a claim is not very user friendly. It asked me to put in a diagnosis which I did and it keeps telling me that "no Diagnosis was included."

I could not be more disappointed with the delayed response to claims and then receiving an email that my dog now has preexisting conditions for issued that first occurred while insured by Embrace and now told coverage would no longer be provided a scam in my opinion

My puppy is 10 weeks old has a UTI. They’re charging me over $100 a month and are restricting anything that has to do with kidneys, bladder or anything like that into the insurance. Ridiculous

I haven’t heard back yet - soooo… how could I possibly give a positive review?

Flat out refuses to respond to the only claim i sent in during the last four years. Just filed a claim w branch of California government that oversees insurers. Changing to costco pet insurance.