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.

These people will find any excuse not to cover your claim.

Misleading and expensive. I had signed up for my kitten's pet insurance. I have the wellness basic plan and have spent about $1,200 during 2 visits. I've received $105 back in total as that is the MAX I can get for vaccines and other procedures. To make it worse, I have a $500 deductible. ZERO DOLLARS WENT TOWARDS MY DEDUCTIBLE. I will be cancelling

Our tabby ate a lily leaf at 1 a.m.—terrifying. Pawp’s vet on video diagnosed pretty fast and saved us a panic run to the ER, but follow-up info took hours and the script they sent was 30% pricier than our local clinic. Useful in a pinch, just don’t expect white-glove care.

My premium has more than doubled in just a few years, and despite having repeated claims for the same reason, Trupanion has found ways to categorize them differently so deductibles are not met. I have gotten very little paid out despite massive premiums, and will be changing providers shortly.

Very pleased with Figo. So glad I purchased this insurance when my dog was just a puppy. The coverage is excellent with various options, online claims process is user-friendly with prompt claims payments, and customer service is outstanding with helpful people to answer questions. I’ve had other insurance for my previous dogs, but Figo is by far the best!

Easy to apply and ease of mind my cat can have some health insurance for no cost! Opted for 2 extras but still very affordable!

Ariel was great at taking the time to get my issue resolved on my home owners insurance Beauce I wasn't divorced when I bought my house the deed was listed under my married name four years later I got divorced I applied for insurance thru one of their subsidiaries when the records at the court house the names didn't match so my insurance she dropped she took the time had me submit my divorce decree and my name change order which fixed the problem thank you thank you Susie m Jacobs

they have been great right up until they doubled my premium on my 9 year old domestic medium hair cat. They say it's based on actuarial statistics and promise it's not because of any claims, but it just so happened to take place immediately at renewal after a year of claims due to hypothyroidism. regardless, to DOUBLE the monthly premium is absolutely unacceptable.