I thought I read when I was first signing up for my policy that "pre-existing conditions" did not matter. I took all the time to sign up for insurance, paid the premiums, only to discover that pre-existing conditions is excluded from my coverage. I will be cancelling my coverage as the main reason to purchase insurance for my dog was to help cover VERY expensive costs for testing for something that we don't know what it is.

Too much time processing claims and your Premiums are unacceptable which has caused me to cancel my policy.

We have had your insurance for about 5+ years now. We have attempted to submit only three claims: two were denied and one paid for around $300. Our premiums have continued to increase every 6 months even though we have not used your services. I understand the cost of everything is going up BUT I feel like this is absolutely horrible. We started less than $100, now we are almost paying $200/month.

Very disappointed that my dog's care for her recent diagnosis of cancerous fibroid is not being covered at a holistic vet. The ozone therapy is "alternative" and only covered with an additional rider that needed to be purchased at onset of policy 12 years ago! This falls under "things not covered" Naturopathy, that I should have anticipated needing or knowing that this therapy would fall under this. Ironic thing is that if I had chosen a riskier surgery for my pup- it would have cost thousands more in claims but would have been covered. Make it make sense....??? My premiums started at $30ish/mon and now well over $60/mon in 12 years with no claims and NOW that it's needed... not paying for her therapy that can help her.

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.

I’ve had Embrace for 9 years. The rates appear to go up yearly. A few months ago i sent a note telling them their automated system misdiagnosed my dog’s problem. Almost immediately someone at Enbrace contacted my veterinarian and requested my dog’s entire medical record. I was cc’d. They then denied my claim of lameness for reimbursement of Carprofen, stating that the med was for treating a pre-existing diagnosis.

Reply from MetLife Pet Insurance

The worst experience ever.

Embrace has been sitting on a claim for my dog since August. Her spay had gone wrong and we were in the ER with her bleeding out. (She's well now.) We'd picked Embrace because their marketing material promises to pay the provider directly. Except you need a secret 800-number to even talk to a live person after hours, and nowhere do they provide this info. Flash forward to now, almost two months later, and we're still waiting for reimbursement for a four-figure vet visit. All of the paperwork has been provided, and receipt has been verified, yet they're sitting on the claim and not replying to queries as to when we can expect payment. We've already switched providers. At this point, I am also filing a complaint with the Better Business Bureau, the Ohio Department of Insurance, and the NAIC. Under no circumstances should you work with this company.

They are absolutely terrible, do not trust them with your pup insurance they deny, short pay, stall and delay any and all claims. The worst.