PawprotectReviews of pawprotect.com

I have a 3 year old pomsky, with no serious health issues. I have been with Paw Protect for 3 years. I received my renewal rate for his policy. Every year it has gone up slightly in cost which is understandable...but this year it went from $100.34 to $171.78 with no explanation to why it jumped up that much.

Fraud site, auto mandate created and debited multiple times.

Seems like a scam, when I filed a claim. they closed it because they refuse to reach out to the vet for more information. Now their website won't load to check the status of my claims. Their billing works just fine because the payment comes out.

This is the most disorganized, incompetent company I have ever dealt with. They constantly give wrong or incomplete information, conveniently leaving out critical details. Then you have to call back, wait on hold forever, speak to a different agent or supervisor (whom you’ll likely never speak to again), and try to get the correct information. They'll cover for each other with ridiculous excuses, say they don't know why they made (another) mistake, or even say nothing at all to where you think they are no longer on the line. Plus, watch out because they will process completely wrong amounts that don't even match the claims and blame it on AI and their "system." They don’t care about clarity or doing a good job. It's in their best interest if you miss deadlines or fail to provide something they didn’t request, even after marking your claim “approved” and “complete.” Yes, they really do that. And they can take up to 3 weeks to process even the most basic claim, while other companies process most within 48 hours to a few days! Bottom line: Don’t trust them. My experiences were solely for basic wellness—obviously covered charges—and it was still a nightmare and huge waste of time, with those charges being denied, and then having to go back and forth to get the problem corrected.I can’t imagine dealing with them for anything serious. They would likely deny claims based on imaginary pre-existing conditions, as they’ve done to many others. I honestly don’t know how they’re still in business and can’t wait to switch. All they do is waste my time and add stress and frustration. I sincerely regret choosing them, but like many others, I was lured by their bait-and-switch $2k line of credit back in 2023, which had been slashed from $5k and then was eliminated entirely shortly after. They’re truly awful. I wouldn’t recommend them to anyone because the animals suffer in the end. Denying critical care with pathetic excuses is disgusting. They don’t care about pets—it’s all about money. And they will drastically increase your premium each year - even if you've never filed a single insurance claim. So you'll pay their very high rates for years and then risk having to pay all your vet bills as well. Anyone with a bad experience should report them to every regulating organization and leave reviews everywhere online. Conveniently, they don't have Google Reviews, like the other insurance companies. I hope they go out of business. They fall far short of other pet insurance companies, and their 2.9-star rating here—compared to 4.8–4.9 stars for others—says it all. Read the reviews online and see for yourself.

They lie about what is covered, none of the prescriptions i got were covered even though i opted to pay extra to make sure they are. No exams are covered unless a wellness program is added which is not an option when you sign up for coverage nor is it explained until you a claim and are denied for not having it. Dont recommend this for any pet parent

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.