PawprotectReviews of pawprotect.com

I don’t usually leave reviews, but Paw Protect seriously deserves one. I’m 30, I love my dog like she’s family, and vet bills can be a lot. When I had an unexpected visit, I called Paw Protect and they handled my claim while I was still on the phone. No back-and-forth, no waiting forever they just processed it and sent the money straight to my bank account within seconds. It made a stressful situation so much easier. If you're on the fence about pet insurance, this is the one I’d recommend 100%.

I love pawprotect! They process small claims within a few days. The larger claims take two weeks. Once a claim is processed they email you and explain what you are getting and why. The adjusters are very nice people. I've been using them for 2 years.

They denied my claim because they just didn't want to pay out. They said my insurance didn't cover my pet surgery when it says that it does in the policy. Do not give them your business. I believe their good ratings online are paid for.

Paw Protect advertised a $5000 line of credit to help pay for vet bills up front while waiting for reimbursement; which is why I signed up with them. Then almost a year after being with the company I get an email from them stating they are no longer providing that line of credit to anyone. Great. I then get my renewal notice and the premium for all my animals went up astronomically. So, they take away the feature I signed up for in the first place and the raise rates? Even before the credit line was discontinued customer service was horrid. It took weeks to get a response back on claims. Attempting to get hold of customer service meant waiting at least 20-30 minutes to speak to an Embrace customer service representative that may or may not be able to help. Overall I would recommend to stay far away from Paw Protect.

Save your money! This company does everything in it's power to avoid. Loop hole after loop hole. I've waited nearly 2 months for a dental reimbursement,for 4 extractions, they offered just under $5. I have a $100 deductible. This company is a joke. Don't waste your money, you'll be paying them, as well as your vet bills.

I signed up for paw protect pet insurance for my dog in September 15, 2023. I heard nothing but great reviews about them. This company sucks. Every time I filed a claim it was away denied. There were 7 claims the only one was approved was the wellness. My dog had dental done it was denied, he hurt his foot denied, then his back leg denied and so on. Did not cover any medicine or office visit. You can’t even get anyone on the phone. Except for today when I called to cancel my policy. Customer service representative Joe Delaney was the only one that did what I asked. He canceled my policy, no question asked. He was friendly, courteous and he understood my frustration.. I don’t like the fact that if I’m paying for this and everything in their mind is preexisting condition. 👎🏻👎🏻👎🏻

I didn’t even want to give one star I just was told by their company that my dog, a two year coton de tulear Could not be covered because they had requested a medical review from the vet that I have, and that they lied and said that the vet told them the puppy had alopecia periodontal disease and more made up lies! save your money. They are a racket trying to get money and they’re not gonna cover your pet for anything! a total honest to goodness, rip off! a lawsuit should be started for their lying, taking my money every month and lying about what the veterinarian said when I just got off the phone from the vet and they said there was never such a thing ever said about periodontal or alopecia ! shame on you, paw protect shame on you embrace shame, shame, shame !

I want to provide this feedback because I actually did get my claims paid by Paw Protect/Embrace, but still have issues with how this company is being run. Before signing up with Paw Protect, I did a lot of research and ended up deciding on Paw Protect specifically because of two things: the partnership with Paytient and the dental disease coverage. However, they've now ended their partnership with Paytient after making it a major part of their brand, which feels like a huge bait-and-switch tactic. They also will not actually cover any dental disease despite that being specifically laid out in the policy (which I've read, carefully, multiple times) because every rescue animal comes with periodontal disease needing to be treated, and therefore it's made a permanent pre-existing condition. In reality, if periodontal disease is treated it is a temporary condition, not a permanent one. Therefore, it seems like they do not have a policy of reviewing medical records/claims in good faith. I did read my policy multiple times and followed it to the letter, and Paw Protect did reimburse me 100% of what I was owed (100% of the claim after my deductible and co-pay). However, their claims process took longer than the stated 30 days due completely to their poor/lack of communication. They never once called or emailed me to tell me they had questions about my claim, and so it just sat around for weeks. Once I finally figured out the issue and resolved it on my own initiative, it took another week for the claims to be reviewed and approved. I thought I was going with a reputable company by choosing Paw Protect since it's under Embrace, but my guess is that this company will actually not last much longer since they've dropped their biggest draw - Paytient - and seem to be barely functioning as it is. There are many other companies that offer better value for the money.