I signed up when my puppy was 7 months old and had an injury. I understand pre-existing conditions however after 2 claim denials I am better off saving the money. They do not make it easy. I would highly consider other companies. I asked around and was told about the denials but thought I would try it out.

Update 4/29/2036: response to MetLife Pet Insurance Had you responded and made the correct determination the FIRST TIME this review would not have been necessary. As such, since this has happened EVERY SINGLE TIME I'VE SUBMITTED A CLAIM, I will not change my rating on TrustPilot. It's clear, after reading so many other reviews with the same exact experiences I've been subjected to, your method of reviewing claims needs a serious overhaul and your claims examiners need better training. Get your act together before you go out of business from all of the bad reviews. _________________________' Every time I submit a claim it's denied. I call and customer service says I'm right and the supervisor agrees and says it will be sent back to claims. It takes 3-4 calls just to get a claim approved. The first time they denied it THREE TIMES because my vet erroneously put the date of a grooming on the invoice along with the sick charges. The grooming was prior to the policy effective date and why moron knows grooming isn't covered. BUT, THEY WERE TOO STUPID OR LAZY TO LOOK AT THE DATES OF THE SICK VISIT, WHICH WERE VALID! CUSTOMER SERVICE SUPERVISOR agreed with me on all THREE CALLS. I FINALLY GOT PAID AFTER A MONTH. This time I was denied AGAIN for a sick visit. They approved the fecal exam and the medication but denied the vet visit which makes NO SENSE. They sent an appeal form after the second customer service rep told me I didn't need an appeal and shouldn't have been sent one. If you look on line there are many, many people that have had the same exact BAD EXPERIENCES that I've had.Multiple re-submissions and phone calls. One person wrote that he's covered for dental cleanings and they DENIED THE CLAIM SAYING IT WAS A PRE-EXISTING CONDITION BECAUSE THE DOG HAD PLAQUE! WHY ELSE WOULD YOU NEED A DENTAL CLEANING?

You are asking me for a review 5 days after I paid you YET. The insurance coverage will not begin for 2 weeks Not happy

I had a disappointing experience with this pet insurance company and expected better support for my pet’s needs. I wouldn’t recommend this company.

Very disappointed that my 3 months new puppy premium is the same as my 10 year old dog. I had to increase the deductible to make it 3 times more in order to get something more acceptable. I am not happy with it and it doesn't seem fair.

I was unable to sign up my new puppy using your website. It wouldn’t let me put my information in 2 of the boxes. Had to have someone call me to sign her up. Love the coverage & response time for paying claims.

Terrible Experience – Avoid at All Costs! I signed up for Embrace Pet Insurance thinking it would give me peace of mind, but instead, it’s been a nightmare. For five months, they charged my credit card without ever reviewing my pet’s health history. Then, when I finally submitted a claim, they denied it due to "pre-existing conditions"—conditions they never even asked about when I enrolled! How can an insurance company take your money for months without verifying coverage eligibility? It feels like a scam—they happily collect premiums but refuse to pay out when you actually need them. The worst part? Their customer service was dismissive and unhelpful when I tried to resolve the issue. If you’re looking for real pet insurance that actually covers your pet, look elsewhere. Embrace will take your money and leave you high and dry when it matters most. Waste of time and money.

The joining experience was fine. People at Trupanion are always pleasant and efficient. The reason I went with Trupanion is my vet accepts them. Their pricing is high and the coverage not really competative.

The worst experience I've ever had with a company. After being a 10 year loyal customer to 24PetWatch - they moved my account without my approval to Hartville who then debited my account without my approval for over $3,900, more than 6x what I had been paying. They then refused to return the full amount to me. Completely unethical.

Incredibly disappointed in how a presurgical exam, which is required for neuter/spay was denied as it is considered a preventative exam and therefore counts as a wellness exam. So if your dog received an annual exam within the same year it will be getting spayed or neutered, know you will have to pay for that out of pocket.