Lemonade prides itself to being new challenger insurer different to the old big corporates. They have sleek app and taking out a policy is very easy and customizable.

You nickle and dime your customers - even long-term customers yet raise our rates every year blaming it on veterinary charges going up. This is a joke and a scam

It was easy to choose the plan but still now I didn’t receive an approval.

I went through the entire sign up process and then was rejected. Which reminds me to make sure Nationwide did put anything on my card

I really wanted to feel good about having Embrace as protection for my pets, but the experience has been frustrating. The claims process is slow and feels like it takes way too much effort on my end. Communication isn’t always clear, and I’ve had to follow up more than I should just to get simple answers.

I would give negative stars if I could. The absolute WORST!!!! DONT WASTE YOUR MONEY!! My mother purchased a policy for puppies. Within less than 60 days afterwards, my mother passed away at the end of March. It took until June to finally gain access and for MetLife to grant me the authority to her account to get the policy transferred to my name so that I could submit claims for services provided for the puppies. The process of submitting claims is not easy. You will need to be sure that your veterinarian gives thorough soap notes as well as an itemized invoice in order to file claims. So if your veterinarian is difficult to work with in this process it will indeed it affect your ability to get reimbursed for the claims. Metlife was far from easy to work with took forever to get me on the policy and then ended up denying the claims because it had gone over the time to submit claims. How convenient for them? When the policy itself states that I should have had the authority to act on my mother's behalf. The claims were still denied regardless of my situation. I would NEVER recommend MetLife Pet insurance. My mother was elderly. Even if she didn't pass away and tried to do this on her own it would have been very difficult and confusing for her to accomplish. She would have most likely just thrown her hands in the air and given up. When you log into your account there's very limited information. There's zero history regarding payment history, communication history, message history, etc. It's very basic. It makes communication with them complicated and confusing. 👎🏼👎🏼

Tried enrolling my dog in the Trupanion contest but the website didn’t work. Contest probably fixed!

I have had pet insurance for a long time, my dog finally needed to use it after years and my claim was $3,200. The insurance covered less than half of the claim. With all the money I have put into the insurance I could've paid for the whole surgery instead of paying for pet insurance.

Response time when all necessary paperwork has been turned in. I get insurance to be reimbursed immediately.

I never received the prescription eyewash only the over the counter wash. . Even after contacting them several times. Did not get refund for it . Did not get refunded the expedited shipping . Had to take my pet the vet after waiting several days for the medicine they never sent