Embrace won't accept your claim if you wait. I held on to my receipts from the entire year to handle all at once. They won't accept my claims from earlier in the year because my policy renewed during that time. My pets were covered during that time. They received covered services. There should be no time limit to file a claim.

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

Still waiting for my reimbursement for my claim. I emailed. So far no response.

I have a dog and absolutely love Figo Pet Insurance! From the start, the experience has been smooth, transparent, and stress-free. The sign-up process was easy, and I really appreciated the customizable plans that allowed me to choose the coverage that fit my needs and budget.

I’ve owned dogs my entire life and have volunteered for the Humane Society for many years. This is the first time I purchased pet insurance and I will never do it again based on my experience with Lemonade. Lemonade is by far the most disgraceful insurance company I’ve ever worked with. They will take any tiny little word out of the history of your pets health and completely turn it against you. I adopted a dog and literally purchased this insurance just days later. Because she had diarrhea after changing her from the shelter food, they immediately refused to pay for any kind of gastrointestinal issues due to newly developed IBD even a full year later. Not only that, because she’s a scared dog and had a stress related heart murmur in her very first vet visit, they would not cover arrhythmias due to a heart issue that she developed later in life. This company is a prime example of why people demonize health insurance. Their behavior is absolutely disgusting. I wouldn’t recommend them to anyone. Do not waste your time or money, this company is an ABSOLUTE DISGRACE!!!

My elderly parents have this insurance for their dog and they were never notified (found out when they took it out of their account)when they moved less than 60 miles that their dogs insurance went up $110 a month! That is the most ridiculous thing I have ever heard of in my life. Y’all should be ashamed of yourselves.

I still don't have any information for my new policy

This company rips people off.

I was surprised at the service I received. I have been with Nationwide for a long time with all my other pets and have never had any issues with the customer service. I spoke to Hassan and he was very short with his answers and seemed annoyed with my questions and kept on yawning like I was boring him. This was the first time I experienced anything like this from a Nationwide representative. If I were a new customer I don’t think I would have agreed to getting a policy for my pet. He was also very pushy. It was a unpleasant experience.

The customer service is fine, I'm giving this low rating due to the ridiculousness of their pricing algorithms. My pet's policy is set to renew in October and the monthly premium increased 68%! Yes, you read that right, 68%! I don't even know how that's legal? But I'm stuck with the policy since my dog has allergies (a pre-existing condition), otherwise Id go elsewhere. Shame on you, Embrace.