Helpful, professional agent helped me to cover pets. Submitting claims is easy and paid in a reasonable amount of time.

They nickel and dime every single claim that is sent in. They do not reimburse 90% of the bill. They decide how much is allowable for your area then they give you that amount back. So don't expect to get back the 90% they say you get back. They will raise your premium every other year but when it comes down to paying out you need to jump through hoops. I used to recommend this company but not anymore.

multiple claims denied that are covered. for every time you submit a claim you have to resend medical history for every single vet visit your pet has been to in the past, Why don't they keep that on file? Then they deny it. waiting on over $1000 in reimbursement for covered claims that they are denying.

Lateisha Farmer Kollee, is my new agent! After stressing getting many quotes, it was so refreshing to find her! She is very professional, and patient as I needed that. I feel she brought back calmness with her professionalism, and listened to my needs, no one else did and I spoke to many! Please don't hesitate to get with her, I know you will understand what I am saying here, not all insurance companies listen very well, she did and I am so grateful.

This is a scam. Don’t buy into their bs.

Embrace is a scam - they keep your "wellness" contributions if you dont' use it within the fiscal year. The wellness savings is marketing as a savings plan for your pet, but they don't give customers any warning about using the funds timely. They claimed they give customers verbal notice only of it. They not have over $200 of my money that is just for their own pockets. Cancelled my insurance with them

They are horrible. I have sent in multiple review requests and tried to email for explanations. I have had the vet send in information, but they have not responded to any of the emails. They have been happy to take my money for absolutely nothing and IGNORE ME.

I had recently had a situation where my key broke off in the lock of my house. I have two additional needs children that I needed to get into the house to sort but when I tried to contact Lemonade for guidance, they didnt reply to the live chat. In a panic, I had to call an emergency locksmith out to drill the lock and replace it. I put in a claim

I was having difficulty obtaining a quote online. This may have been due to the fact that this townhome is a new construction. I called the 833 number provided and started to explain the situation and was promptly hung up on at 602 pm on 9/15/25. So much for the referral by the closing attorney!!!

I was misled around just how little would be covered without the Wellness plan, and now I'm left with almost thousands in vet expenses for my kitten that my insurance plan won't cover. To find out that the basic plan covers none of the costs of standard care and procedures associated with caring for a kitten by receiving a rejection notice for my insurance claim was fairly jarring and made the insurance plan feel pretty useless and parasitic. Yes, the details are within the policy document, but they're also buried within dense text, and they were not adequately explained to me when I was signing up for my plan.