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My dog Oliver had to have emergency surgery that took us to two ERs which was stressful enough, and we had exceptional care at both. But Pets Plus Us Insurance made the claims process easy and unstressful for the already stressful situation. I didn't have to do a thing, the vet clinics submitted everything for me and all I had to do was confirm with Pets Plus that they received all they needed, easy peasy. They approved everything and I am just waiting for the reimbursement. Thank you all for everything! Samantha and Oliver

I am so displeased with Embrace that I considered reporting it to their state's insurance board. As far as I garner, they have a very sophisticated bait and switch program. I changed the policies of my dogs as they aged; Embrace claims they have not record. Embrace increase the yearly cost without personal notification. A text is not a proper notification. Then after they raise your deduction amount, the have a 60 day waiting period from the renewal date. Who remembers what date they signed up? Again, where is the notification? It has cost me over $300 a month to ensure my dogs and yet Embrace has not covered one expense. They keep raising the deduction without proper notification. I assure you that I would never carry a $1000 deduction and a $10,000 coverage on a senior dog. Embrace is so insulated that it is almost impossible to contact them; there is no email address and if you try to call, be prepared for a very long wait.I finally got through to a young woman who offered explanations that were less than satisfactory. I feel that Embrace's honesty is edgy. I warned the young lady to whom I spoke, do not drop my policy until notified. Also, I found after much research an email. I have not heard back from Embrace. insure

We have never missed a payment--Placed a claim for a cruciate tear surgery and after weeks of diligently sending Pets best every article of history, payment history ect that they requested in a very timely manner they denied the claim stating it was a preexisting condition-- my dog suffered from necrotizing fascitis aka a septic joint and was NEVER diagnosed with a cruciate tear in that leg...This is definitely disappointing considering i've been with their partner Progressive for YEARS and never had a problem with their partner. I would definitely go with another company in the future.

Pets Best is the worst insurance ever. They constantly deny legit claims. Their CS is terrible. They take for ever if there is a claim they have to pay. Do not EVER buy this insurance.

Nationwide is excellent at processing the claims that my Vet submits and getting me paid back within a couple of weeks.

Our German Shepherd went in late on a Friday night for emergency surgery. By some miracle he is recovering well. Without insurance for Healthy Paws we would have had no chance but to euthanize him. 4 days later when he was released we filed our claim and was paid 3 days later . I have very happy with our insurance and how it has been well worth the money.

I have 2 standard poodles age 9 and 12. Multiple issues over their lives. Many, many claims. Never a hassle, only help. The best investment I’ve ever made.

WOW! So impressed Healthy Paws is inquiring about my precious Oliver. He is the love of my life & can’t imagine losing him. Seems he never gets a break!! He, so far on chemo, is doing well. We go this Weds for more bldwrk & exam. UCDAVIS has looked everywhere for the main tumor but cannot find it. It’s an aggressive cancer & I’ve asked the vets not to tell me the odds for how long I’ll have him. It’s very sad 😢 The very best thing I’ve done was to put pet insurance on all my cats & now my new puppy. Thank you SO much for the speedy reimbursements. I’ve told so many people about HEALTHY PAWS. I love you guys so much and it warms my heart you asked about him. MUCH APPRECIATED ❣️

i honestly thought this was a waste when we signed up for it. however, we have made a couple of claims and everything has gone just fine! they have covered what they say they will cover. here's a tip for some people on here. ACTUALLY READ your documents! if you provide the requested information how they need it, you will not have any surprises. simply ask your vet for the SOAP notes, attach it with your receipt and PROOF that you actually paid for it and you will be fine. sure, there is a waiting period....its outlined in the plan documents along with pre-existing conditions. Here's another tip! get your pet seen by a vet after getting the insurance for a complete checkup. that way you and everyone else will know what conditions already exist. In fact, MetLife even SUGGESTS this from the beginning. READ and follow instructions and you are good to go. i have no complaints. claims process is super easy. download app, use app to take pictures of receipts, upload SOAP notes, let them do their jobs, app will update you on progress. done.

I’m really impressed with Met Life Their customer service is extremely helpful Fairly easy to file a claim but a little slow in processing it Over all I will continue insuring my baby with Met Life