Incredibly misleading with how they define “pre-existing conditions”. My dog has had a yeast infection once before and an ear infection, and Lemonade will now no longer ever cover either of those illnesses because she had them before. Condition would you lead you to believe it refers to long-standing or incurable diseases. Broken bone prior to starting? Sorry not covered. Eye infection one time in 2 years? Sorry not covered. Parasite during puppy age? Sorry not covered.

The worst!! Price gouging worse than human insurance companies. It’s all a scam. So many better companies out there these days.

My dog was insured for 9 years. We never filed a claim. The past two years the policy doubled. $45 to $90 causing me to changed the deductible to get it to $70. This year it doubled again to $158. I cancelled it. Crazy. Worse than BlueCross for humans

My policy has gone in ten years from $360.00 per year to $3600.00 per year for the same amount of coverage.

Spot placed so many barriers to my first claim, I canceled in frustration: 1) calls went to an off-shore answering service that was useless; 2) the claim was commingled with an invoice among my pet’s medical history and that had to be removed by an agent of the company; and 3) the company continued to ask for medical records that were far more clinical than required. Not recommended unless you are willing to put up with confusion and processing delays.

I loved this company til they screwed me over. Beware when your pet gets older they price gauge you to the point where you have to leave and you’re left with an elderly pet without insurance. And they don’t even care about it. Nothing was done to make it right. These companies ultimately don’t care about you or the well being of your pet. I will never recommend embrace ever again. Find somewhere else to insure your pets before they get older and they do this to you. My pets insurance went from $60 a month to almost $400 per month. Heartbroken

I used a desktop web browser to buy and pay for insurance. I mean, who would use a mobile phone over a desktop. Large screen, keyboard.

Reply from Embrace Pet Insurance

The customer service is fine, I'm giving this low rating due to the ridiculousness of their pricing algorithms. My pet's policy is set to renew in October and the monthly premium increased 68%! Yes, you read that right, 68%! I don't even know how that's legal? But I'm stuck with the policy since my dog has allergies (a pre-existing condition), otherwise Id go elsewhere. Shame on you, Embrace.

I like the ease and quickness of contacting a vet. But the inability to get the actual prescription so you can use it locally is problematic, particularly when your pet is in discomfort and you have to way3-4 days—even with selecting the extra $20 expedited shipping— to get your meds. I understand that the business model is to use their pharmacy, but when an antibiotic is needed, the passage of time is unsettling.