I had healthy paws years ago for our previous pets and it was great, but I got it for our 2 new cats and so far it is has been horrible. Every single claim they reject for reasons that don't make sense. (They either say it is preventative when it is a test for symptoms) or they say it was during our waiting period when it was weeks after. Or when I send vet records (what the vet gave us) they say it isn't the correct records. Clearly just trying to give the run around and not pay. Really disappointed.

I expected better reimbursement coverage for the routine exams ands meds that ensure that our pets will stay healthy.

THE WORSE PET INSURANCE COMPANY. RAISED PREMIUM WITHOUT REASON. JUST ANOTHER MONEY EATING TAKING ADVANTAGE HEALTH COMPANY IN AMERICA. DO NOT GET EMBRACE. MY PET IS MORE THAN HEALTHY AND HER PREMIUM HAS GONE UP ASTRONOMICALLY. MY OTHER DOG WHICH IS INSURED WITH ---HEALTHY PAWS--- (HIGHLY RECOMMEND THAT ONE ) HAS HAD SO MANY ISSUES, NOT ONLY SHE HAS HAD SO MANY HEALTH PROBLEMS, BUT ALL THE INVOICES ARE COVERED NO QUESTIONS ASKED. NEGATIVE STARS FOR EMBRACE. YOU SUCK, YOU TAKE ADVANTAGE OF THE PEOPLE. AND YOU KNOW IT.

Ridiculous policy premium increases! I have been a customer since 2020. After moving less than 5 miles away, my policy was "re-instated" to reflect my current address. My monthly payment went from $85 to $127 which is bad enough. When i called to discuss this I was told that my monthly installments were actually $157 and the $127 showing online is a "technical error". Almost double! for moving less than 5 miles!

Horrible experience, bad customer service, they tell you its possible to cancel, its not, cannot delete card, they refuse to cancel. such a SCAM!

My dog was limping after long walks so I assumed something was wrong. I prepared for the worst by getting insurance in June 2024 that cover hip dysplasia and knee surgeries. My dog needed a TPLO surgery, it took place in November 2024. Surgery went great and filed the claim. December I call to check on the funds, Pets Best says, "You have to wait 6 months before any surgical procedures can be claimed. You are 1 month to early!"

They don’t message back when you message in on the app with questions about how they handled the claim and breakdown. I have written to them at least twice inquiring about two different topics and have never received a message back

Beware! The application process is easy and the claim filing process is easy. For the first 2 years the policy premiums were reasonable. But I just got my renewal for the upcoming year. Shockingly, my annual premium increased 55%! When I called to inquire, the representative was very nice BUT couldn't really give me a reason for such a huge increase. She said it was based on my zip code, my dog breed and she stated that the cost of claims were increasing. This puzzled me as they knew my zip code and dog breed when they issued the policy. Additionally, my deductible is $500 and I barely met that this year. When I inquired further she said that some zip codes only had their premiums increase by under 20%. What the heck?? When I asked for historical information as to what past premium increases had been, she couldn't answer the question. Now that's rich. A 55% premium increase. That truly makes the policy almost unsustainable. I feel duped by getting a policy with them! i feel like I was lured in and that they knew all along they were going to push a HUGE premium increase on me at a later date. My only advise to potential customers is BEWARE!! I encourage potential customers to shop around....

I spent a lot of money for 2 dogs that's not sick to the point they at the VET 3 to 4 times a month. So when I file a 400 dollar plus claim my expectations is more then what I received period.

My time over the last four years with companion of overalla positive experience. The couple of times I had to file claims it was very prompt payment. One of the negatives was usually a $20-$30 increase per year per pet, which is a lot higher than other pet insurance companies that I’ve worked with. The reason I’m leaving the two star review is because after I canceled I got a call the next day from an extremely rude trupanion lady who berated me while I was at work, while seeing patients at my medical clinic. She kept telling me that I was making a mistake by going to my Costco pet insurance and she was absolutely awful to me. I tried to kindly diffuse this situation and explained to her that people choose different insurance providers every day and that I’m just making a better choice for my life and my pets. She did not seem to understand that as she kept going, and I had to interrupt her again And explained to her that If she doesn’t need any more information for me to cancel that, I’m going to hang up with her because I’m not going to sit and listen to her condescending attitude about switching insurance providers. She then proceeded to go on about an article that I veterinarian wrote about how their insurance is superior to others. She said that there was no bias. I find that very hard to believe as this veterinarian was most likely paid to write the article for their company, which would be biased.