We’ve had our dog with embrace since she was a few months old. We had a lower end plan that had a $5k yearly cap, at the time a *vanishing* healthy pet deductible of $750, and no preventative care with 70% reimbursement. Each year dealing with tolerable increases of $3-5 a month.

3 different fax # return as undeliverable, chat agent would not give any info. Due to one letter in my last name incorrect from your end. Never received refund for feline leukemia and rabies submitted in Aug.

Spent seven hours on the phone today trying to get insurance and then stumbled upon Jonathan that Guy handled me in 30 minutes. I can’t even begin to have words for him. Thank you.

Reply from Kanguro Insurance

Horrible, do not use this company to insure your pet. They will claim that anything is a pre-existing condition in order to not pay you. A pet can vomit on 2 different occasions, and they consider it a pre-existing condition. Vomiting is a symptom of not feeling well, not a condition. Not only will they not pay the claim, they go above and beyond by saying they will extend the “vomiting exclusion” another 12 months. Look on Reddit, others have complained about this same issue with Embrace, and in some US states they’ve made it illegal for insurance companies to call a symptom a condition. I am in an appeal right now with them and will sue them if I have to…they own me over $1000. Stay away!

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.

It is terrible denied my claim because they said his symptoms started in the waiting period where I had already paid for the insurance but was not covered???? Even though it did not and I don’t know what that information is coming from seems like a scam do not recommend waisted 100 dollars for the months I’ve been on not to mention it took them a month to process my claim said I needed two years of vet history or my claim would be denied when I just got the dog a couple of months ago

Paid premiums religiously. When my cat needed diagnostics, I got a masterclass in insurance bad faith instead of coverage.

The off shore reps are hard to understand and they don’t understand me. That makes it difficult to get anything done

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.