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This is our first pet insurance ever. We decided to choose this one because of great reviews and affordability comparing to others. First of all, I think it’s important you get the “Preventative care” add-on as it covers the regular visits, vaccines, and routine (including dental and neutering). After that make sure you download and register in the app. From there submission of the documents and the whole process for claims is a breeze! You just upload the receipt from the vet and that’s it! First time, you need to upload the 12-month doctor’s notes only once. Review of the claims is slightly longer than they say but we we don’t mind as every claim was approved and we were not bothered during the review process. If needed they will reach out to the vet directly. Our friends had other providers and always had issues but MetLife was always there for us and we will keep this insurance forever. Thank you, MetLife!

Claims were easy to submit, monitor and I was happy with my reimbursement. Thrilled to be working with Healthy Paws.

For years, I've been paying nearly $200/month for my older dog. I've never filed a claim once. In July, she suddenly needed serious dental work (a lot to process financially and emotionally). I'm 9 months pregnant, working full-time, and have been juggling a lot. Yesterday, I sat down to formally file the claim. That's when I learned the window closed 2 weeks ago. I had no idea there even was a claim window---apparently this is only after a policy renews. The rep told me my renewal was 6 days after the procedure (seriously, just 6 days!). For that reason, the window kicked in and they won't even consider the claim. Had the emergency happened a week later, there'd be no issues, which is a reality I'm struggling to wrap my head around. I can't begin to describe how disappointed I am with Embrace, or how stupid I feel for giving them so much money over the past few years... The policy doesn't cover preventive care (I have to pay *another* plan for that), only emergencies; so, now that I'm finally facing one, I can't believe Embrace won't consider reviewing it given how close it was to the renewal... This is an unfathomably profitable company. I'm not sure how a business taking in *so much money* from its customers won't even offer an appeals process. There's nothing patient- or client-centered about Embrace. If you're in the unfortunate position of working with them, please do yourself a favor and (1) read through every fine line of your policy, (2) set calendar reminders for policy renewals, and (3) file all claims immediately. Embrace's policies and procedures are designed to make reimbursement as challenging as possible.

THIS PET INSURANCE SAID THEY SENT ME AN EMAIL SAYING THEY COULDNT BILL MY CARD. INSTEAD THEY CANCELLED MY INSURANCE. SO I HAD NO COVERAGE. YOU WOULD THINK IF THEY WANTED THEIR MONEY THEY WOULD CALL OR SEND A LETTER IN THE MAIL. MY EMAIL IS NOT ALWAYS THE BEST WAY OF CONTACT. VERY BAD CUSTOMER SERVICE. BEWARE THIS IS HOW THEY GET MORE MONEY TO START A NEW POLICY.

I always want the best for my Fur Baby Snow so I take Him to Bond Vet of Garden City L.I. where they take care of Him like their own Pet. And thanks to Lemonade Insurance coverage he gets all the necessary vqccines and preventive care needed ...

I've been using Nationwide for many years and several dogs. they have been fair; easy to submit claims and fast reimbursement.

So glad we had the MetLife dog insurance. This past summer my Frenchie suffered a horrible seizure and had to stay in the hospital for 4 days - then we had to go visit a neurologist vet. Thousands of dollars..... Already had met my deductible and very happy to say I got 90% back! It is very easy to submit the claims - and reimbursement comes in about 3 weeks. So happy I had the insurance.

I could not give Casey the care he needs of it wasn't for you. You are literally saving his life and I will forever be grateful fo the awesome service you provide. I can never thank you enough,

So glad I have pet Ins. Claims department is excellent and very fast. Thank you 😀

Our dog's tooth cracked and she had to have it extracted. Part of the extraction process involved teeth cleaning, and Pets Best refused to cover this charge even though it was not a preventative cleaning. We called them to explain this and they still refused to cover it.