I have pet insurance. They deduct $250 per year for maintenance. And they are supposed to return 80%. In the end, they only returned $500 out of $1,600. They don't answer in the chat, the phone number doesn't work. They took $250 twice. And the rest of the amount was calculated in an unclear way. Out of a claim of $450, they returned $7!

Coinsurance is the claim amount an insured must pay after meeting deductibles. This company applies your coinsurance to meeting your deductible. Haven't provided me with any detail as to where this calculation is explained in my policy. Wouldn't recommend.

I have had Embrace Insurance for several years, I have submitted several claims but have yet to see a check. Embrace claims the vet is not providing the proper paperwork but has not explained to me what exact paperwork I need. Don't know what else to do about my max. Been a member @USAA for more than 40 years. Have never had such deplorable service.

please stay away if you love your pet, they will endlessly ask for records that does not exists from years ago and deny claims in every way they can, and automatically deny claims for pre-existing condition, plus they will bombard your vet with numerous records request that is totally unnecessary, even if my vet had sent the records like on 5 different occassions.

After rescuing our dog in March 2024 we chose to invest in pet insurance to defray veterinary costs. We chose Embrace Insurance, what a mistake we now much regret. The cost 66.00 a month for our rescue of 7 years old with a 250.00 deductible per year with No Wellness visits included. Pre-existing conditions not covered which we fully understood, apparently everything imaginable is a pre-existing condition as we were not reimbursed a single cent for any of the claims we submitted. We received a notice that our monthly bill would rise in April 2025 to 112.00 per month, almost doubled because she is now a year older. Beware Embrace Insurance is not worth the money we lost nearly 800.00 in 1 year and we are letting you know this so you don’t lose out too.

Healthy paws has just increased my monthly premium from $250 to over $600 per month. This is outrageous and they appear to be blaming it on our state (California, the usual whipping boy for everyone). I have been a customer for many years with barely any claims. One of my dogs is older now and for almost the first time, I have made sizable claims so I’m pretty sure this is the real reason. But…..this is precisely why you pay into insurance from when they were puppies(in our case 8 weeks old) ….. so that all the years you pay premiums and claim nothing are at least partially offset by the claims you have to make when they age. I don’t know why they couldn’t make up the shortfall (if this story about what our state requires is true) on the back of new customers instead of shafting existing customers. Now I have to look for a new insurer for a dog with preexisting conditions. Shameful!

Customer service is really bad. They don't let you talk. All they say is no. Food poisoning cause diarrhea, vomiting, blood in stool etc. they said those are illnesses. Not food poisoning. Don't try to deny. Food poisoning is accident and it's covered under the policy. Give me my reimbursement.

This is a terrible insurance company. They claimed "pre-existing condition" for something that was never indicated on my rescued pet (balls never descended so when he was neutered it was an invasive surgery and expensive).

Very rocky overall. This company has been spotty all around, and even worse in the cancellation process. The app and chat features don’t work, and fun fact - once I deleted the app from my phone and canceled my plan I was no longer able to find the app in the Apple store! So no ability to leave any honest reviews about its complete lack of functionality, but it does reflect the extreme inaccessibility of this company. It took four attempts to chat, and two calls to cancel, along with a follow up for the confirmation and refund! Not to mention, the breakdown of deductibles is PER CONDITION PER ANIMAL. I took my bulldog to get cherry eye surgery and they advised the claim was covered but that the surgery only counted towards the deductible of THAT ailment. NOT the policy overall and not for the animal overall. When my kitten was killed, I had to again call and fight for my claim to be picked up and processed, to which they responded ‘well if she died your policy doesn’t cover death fees’… as if I hadn’t already submitted a claim for the hospital visit for injuries leading up to the death, so clearly they hadn’t processed/read. This company is a joke all around, and full scam level on the way out. It’s clear why they’ve dropped from the Top 10 lists.

I have had a few minor issues with Pets Plus Us in the past. The final straw was that my dog got a cracked tooth and while I had a good idea of when the accident occurred, I could not say definitively because I am not a vet. it was accidental because she does not receive hard chews.... There are very few ways that she could receive a cracked too. They refused to cover it because I did not see the incident occur. There has been ONE person I can remember in my 7 years with them, that was helpful and provided information I needed (even though the result was not what I wanted). DO NOT USE THIS COMPANY. There are many others that can provide better coverage and customer service.