There is a waiting period that applies, so do not think you can bet this insurance and use it in less than a couple of weeks. Did not really look for fine print, so it may be in there somewhere, but it was not something that jumped out at me.

too demanding re vet detailed invoices

This company moved out of Canada to the us and is now charging in US dollars and converting that amount to Canadian dollars. Watch your bill go through the roof if you are Canadian. You can't even talk to a Canadian on the phone.

I'm honestly looking into filing a lawsuit against Embrace for their bad faith practices. I submitted documentation and a letter from my Dog's doctor and a appeal was reversed, but they still try to look for every reason to deny a claim. So my claim was denied twice for the same reason when my Dog's doctor proved that any pre-existing conditions are not related. HORRENDOUS SERVICE!!!!!!!!!!!!!!!!

When I paid for the insurance, I took it in case I needed to do something urgent for my cat. And it so happened that I had to visit the emergency once. I paid everything myself and sent an insurance claim for a refund. I had to wait almost 2 months for a response, first to receive information that there were not enough documents, and then a decline. It is very difficult to contact support. When I asked to cancel the subscription, they told me that I had to complete a quest to cancel. In general, it looks like a scam scheme.

My pet had allergies before, and the recent claim was for an illness/ infection she was given antibiotics. Then vet recommended do to tests for thyroid disease and cushings disease, she was diagnose with probable cushings disease and all the test done was denied die to "Pre-existing condition" even tho this is the first time she was treated for thyroid and cushings disease. They came to the conclusion that it's related to her allergies! .... Healthy Paws Insurance is the was to go.

With no claims submitted this past year, my monthly rate increased by 50% for the upcoming year. I can't understand why so much of an increase.

Be Careful with this company. Once your dog has a pre-existing condition they try to use it to not pay any claims. My dog had an ear infection and they said that it wasn’t covered because he has dermatitis. Tell me that is not a joke! Spend your money wisely and go with a different animal insurance company. I wish I had! Very unhappy!

It should say something about the company when 24% of the reviews are 3-stars or less and 16% are 1-star. It should also tell you something about the company when the annual rate increase is predictable and will be double digits. But if you log in and get a rate quote for your pet you will get a cheaper rate than if you renew. Today's email ping-pong battle with the Embrace Claims Adjuster Manager was an exercise in futility. She kept telling me what information she had access to and refused to acknowledge that someone in the company above her level might have the information. I can't believe that USAA has aligned themselves with this company and actually recommends Embrace's services to their customers. Embrace does not understand the fundamental tenets of customer service and building brand loyalty. The very people that created the problem (Claims) are left to adjudicate the problem? That solution doesn't always work.

Pets' Best website clearly states that *all* policies cover veterinary behaviorists, yet they refuse to cover claims involving veterinary behaviorists if you don't buy a special rider to cover office visits. They claim it's not their fault their website contradicts their policy documents, so they don't have to honor it. And you can't purchase the rider to cover office visits without canceling your existing policy and starting a new one that excludes pre-existing conditions, and no other insurance company will cover pre-existing conditions either, so you're stuck with a useless policy. If they don't stand behind their own claims on their website for this issue, you can be sure they won't stand behind other assurances they make. Avoid.