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.

Even tho the vet techs know the system to connect with you , the steps seem never ending. I've given up on email or iPhone for submitting invoices, just mail them.

Never any hassle about the amount and payed in a timely period.

I have been with Embrace for about 11 years now. I currently have 3 cats insured and I had 1 cat who has passed, who was also covered throughout her life.

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.

Try to bill you for same service after you pay once cant get ahold of anyone account information screwed up where you have to call just get billing information and alot of website issues.

Negatives include: that you raise my rates every opportunity you get. You charge my full deductible for every single bump that's removed from my dog - claiming they're different types of bumps. Outrageous. A mass removal is a mass removal and should be categorized as such. While I'm grateful to get some money back on some claims (not all), I question whether paying the monthly rate plus my deductible plus getting zero reimbursement for exams, medicine, or taxes is really worth it.

Poor , not very good insurance

I met my deductible but had to pay for most of the charges after that and have more expense coming. At this point I am thinking it is not worth continuing.

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!