HealthyPaws vs. Embrace Pet Insurance: In-Depth Comparison [2022]

[12] Embrace Pet Insurance Customer Reviews (2022)

iHeartDogs surveyed our readers in 2022 about their experience with Embrace and other major pet health insurance plans.

Overall Embrace received a 4.4 out of 5 rating:

⭐⭐⭐⭐⭐ - Responsive, good customer service and as a bonus now affiliated with USAA which is great for those of us who are members of USAA. - Embrace Pet Insurance review by Chris, Midlothian

⭐⭐⭐⭐ - Pays quickly; app makes filing claims easy. Don’t like that have to jump thru hoops to read the policy document. - Embrace Pet Insurance review by Laura, Unknown

⭐⭐⭐⭐ - My dog got attacked by a pit bull causing $1110 in injuries.
The insurance paid within several days with no hassles or other delays. - Embrace Pet Insurance review by David, Ashburn

⭐⭐⭐⭐⭐ - I love how responsive they are and how quickly they pay a claim. I've had my dogs with them since 2006, their first year in business, and have never had a complaint. They cover genetic illnesses, and alternative medicine treatments in their regular accident and illness plan. Their premium rates doubled this year, but after reviewing other companies, they're right in line with normal costs. - Embrace Pet Insurance review by Donna, Salisbury

[44] HealthyPaws Pet Insurance Customer Reviews (2022)

iHeartDogs surveyed our readers in 2022 about their experience with HealthyPaws and other major pet insurance providers.

Overall HealthyPaws received a 4.4 out of 5 rating:

⭐⭐⭐⭐⭐ - Pro: Easy to submit claims, quick turnaround time on payments. Con: Price goes up each year - HealthyPaws review by Jennifer, Canton

⭐⭐⭐⭐⭐ - They have no max payout and claims are processed w/in a couple days! - HealthyPaws review by April, Powhatan

⭐⭐⭐⭐⭐ - I have never had a problem with a claim being paid promptly or as I thought it should be (and there have been a lot). My rate has really gone up…more than I would have expected but I have had (and continue to have due to allergies) many claims so it is still worthwhile. - HealthyPaws review by Marcie, Madison

⭐⭐⭐⭐⭐ - I Like they have always reimbursed me for treatments for both my dogs. No dislikes . - HealthyPaws review by Susan, Petaluma

⭐⭐⭐ - When one of our dogs died 2 winters ago I called Healthy Paws right away to cancel the insurance policy for him. I made it clear that we still had 2 other dogs who were to continue coverage. However, about a week later I found out that all 3 dogs had been cancelled. It took me numerous phone calls, emails, letters, inquiries before the 2 living dogs got reinstated. Luckily the dogs did not experience any health issues during that time. Healthy Paws said that they would not be covered til they were again under coverage. The company did not act overly concerned or sorry for the error. Continue to search for other options. - HealthyPaws review by Leatha P., Colorado Springs

⭐⭐⭐⭐ - they keep raising premiums, as your dog gets older, even when you do not file a claim. And they are suppose to raise them when vet cost go up. - HealthyPaws review by Tony, Philadelphia

⭐⭐⭐⭐⭐ - Always been easy to work with, file claims, and get reimbursed 😍 - HealthyPaws review by Linda, Lenoir City

⭐⭐ - They randomly seem to increase the premiums. I don’t like a lot of the policy’s like if you get referred to a specialist they won’t pay for the exam. I’d probably leave them but now I have a dog who’s been having issues and it’s harder to move. I won’t use them again with a new puppy for sure. - HealthyPaws review by Tory, Ithaca

⭐⭐⭐⭐⭐ - Premiums go up even though I’ve never used it - HealthyPaws review by Ann, Ormond Beach

⭐⭐⭐⭐⭐ - Easy to file claims and they respond quickly. I understand what is covered and what isn't. - HealthyPaws review by HELENE, Palos Hills

⭐⭐⭐⭐⭐ - Quick payment response - HealthyPaws review by Marilyn, Santa Barbara

⭐⭐⭐⭐⭐ - Able to pick the coverage I want. Payments are fairly fast. - HealthyPaws review by Joyce, Novato

⭐⭐⭐⭐ - Need to pay for yearly exams and dental cleanings. - HealthyPaws review by Kelly, Wrightsville

⭐⭐⭐ - I like the price. I don’t like the fact that I have to pay upfront and then get reimbursed. I want an insurance that will pay the veterinarian directly, like human health insurance. Why do I even have insurance if I have to pay the vet and if I don’t have enough to cover the cost, I will have to put my dog down. This doesn’t make sense. I should just put the money into an account and only use it for emergencies. - HealthyPaws review by Colette, Deerfield Beach

⭐⭐⭐⭐⭐ - No arguments over what vet charges - HealthyPaws review by Case, Vacaville

⭐⭐⭐⭐ - Easy to upload claims through the app and they are quick to provide reimbursement. - HealthyPaws review by Karen, West Roxbury

⭐⭐⭐⭐ - Nothing to dislike yet. - HealthyPaws review by Amy, Sonoma

⭐⭐⭐⭐⭐ - Pay you back quick - HealthyPaws review by Bill, Philadelphia

⭐⭐⭐⭐⭐ - Very quick with reimbursements. - HealthyPaws review by , Salem

⭐⭐⭐⭐ - I love how easy it Is to use and everyone is so friendly. I’m honestly annoyed at the fact my rates have increased a cumulative of over $50 in the past two years… even my car insurance hasn’t gone up by that much. However, the rate I pay is lower that what other companies would offer if I were to sign with them now. - HealthyPaws review by Catherine, Los Angeles

⭐⭐⭐⭐⭐ - Easy to file claims - HealthyPaws review by Debbie, Jefferson

⭐⭐⭐⭐ - HealthyPaws review by Jo, Hingham - The app was up dated and now doesn’t work properly taking a picture of the invoice - HealthyPaws review by Andrea, Olympia

⭐⭐⭐⭐⭐ - Fast turnover for claims. Had the last one close in one day. Great customer service reps. - HealthyPaws review by Krystelle, Antioch

⭐⭐⭐⭐ - It was the highest rated on several surveys and they did send me a check pretty quickly but they are expensive and so I only have my older, bigger dog covered since the fee has gone up a lot. - HealthyPaws review by J.T., Morgan Hill

⭐⭐⭐⭐⭐ - Monthly premium is not the cheapest but they have been a fantastic company! They process claims quickly and have not denied any claim (no preexisting conditions and I only send claims that are allowed per the contract) - HealthyPaws review by Janet, Unknown

⭐⭐⭐ - Coverage is good but monthly cost has almost tripled in the 6 years we’ve had it with no major claims. What started as a reasonable rate is now ridiculous for a 6 year old dog and in comparing other companies with the same coverage they are all about the same overpriced rate. - HealthyPaws review by , Brooklyn

⭐⭐⭐⭐⭐ - There is no cap and reimbursement is super fast. - HealthyPaws review by Cindy, Milwaukee

⭐⭐⭐⭐⭐ - Healthy Paws has excellent customer service. My claims have all been settled and funds received within a week. I have 2 dogs, both are insured, both have had several claims. My 10-year-old has copper storage disease. Healthy Paws has paid every claim for her disease quickly and with no extra paperwork other than an itemized paid invoice. I highly recommend them. - HealthyPaws review by Lace, Palm Bay

⭐⭐⭐⭐ - They have paid quickly and without issue. Claims are easy to file.
I recommend purchasing pet insurance as early as possible because any issues your pet is diagnosed with prior to having them insured will be determined to be a pre existing condition and not covered by the insurance company. - HealthyPaws review by Heike, Portland"

⭐⭐⭐⭐⭐ - I love the 90% return. I dislike after an update on the app, I can no longer use it to take a clear picture of an invoice for submission. - HealthyPaws review by Andrea, Olympia