Submitted 3 claims over a month ago--no movement. Emailed the email address they say to write to over a week ago for assistance twice.. No reply or acknowledgement .

The system kept crashing mid claim submission. Any insurance that just conveniently crashes during a claim immediately raises flags to delay service.

Horrible, do not use this company to insure your pet. They will claim that anything is a pre-existing condition in order to not pay you. A pet can vomit on 2 different occasions, and they consider it a pre-existing condition. Vomiting is a symptom of not feeling well, not a condition. Not only will they not pay the claim, they go above and beyond by saying they will extend the “vomiting exclusion” another 12 months. Look on Reddit, others have complained about this same issue with Embrace, and in some US states they’ve made it illegal for insurance companies to call a symptom a condition. I am in an appeal right now with them and will sue them if I have to…they own me over $1000. Stay away!

Reply from Kanguro Insurance

So far, I have not had a particularly good experience with embrace. The review of my initial claim was exceptionally long, and while they do say it could take up to 30 days, I didn’t actually think it would take that long based on my experience with several other pet insurance companies. Then after waiting for a month, my claim was rejected based on a flawed assessment. I then had to ask my veterinarian to write a letter explaining why their assessment was incorrect. Embrace then took another two weeks to review her letter and came to the conclusion that my claim should in fact be covered. In doing so they also “found” another exclusion that they had not identified in their prior review. They indicated that they would send me payment on the claim, but did not include anything about payment of the two other claims related to the initial one. I sent a note asking them to please re-process the other two claims since the initial exclusion was lifted, and I still have not heard anything back on that or even received an acknowledgment that they received my note. Overall, I find this company to be very slow and like all insurance companies, they are always on the lookout for exclusions, even when there aren’t any that are valid.

What seemed to be a pleasant experience in my year with them, although I haven't had to claim. My experience was left with a bitter end as they don't give you the option to opt of auto renewing next year's policy! I've never known any company to do this. You have to cancel your current one 5 working days before they begin taking payments for next year's premium. Naturally this will leave you without cover for a period or you have to start your new policy earlier than planned, which is ridiculous.

The biggest example of wolf in sheep’s clothing has to be Lemonade Insurance. My experience with them has been nothing short of appalling. Initially, they lure you in with a sleek app and promises of quick claims, but behind that polished façade lies a company that seems more interested in dodging responsibility than providing genuine support.

We are very happy with the coverage we have for our kitty. The claims process is also easy and smooth. We can relax knowing that our pet is cared for.

I've had embrace pet insurance for years. Never had a claim...never missed a payment. Rates started going up, $80 became $130...terrible..everything's going up..I get it... my dog is now getting older now and they just increase his coverage to $336 a month, if I change to lowest coverage its $160 a month for basically no coverage. Pricing my dog out of care. They know what they just did, that's why they sent me a letter saying what they did is legal in the state of Colorado.

I keep sending all required medical records for Sabrina. However, I continually get emails that you haven’t received them and eventually have my claim denied!