Do not sign up with this company. They will deny claims for "pre-existing conditions" even though the health issue is unrelated. They will badger your vet for the pet's complete medical record, even though they received it as I personally sent it. Then they will ask for it again. Clearly a stall tactic or they are very disorganized.

Finally found a good plan for my Jack Russell terrier Cooper. He’s got stomach ulcers so I went with higher coverages. Worth it because I’ve spent about $800 every time I go to the vet in the past

i was reading that both my cats would be billed toghter. then when i looked at the two emails i got they said billed seperatly? so what is it?

Figo drops the Ball on the amount of time they take to get your Claim done. I submitted a Claim on 8/20/25 & here it is 8/27/25 & my claim is still in Review. I am seriously thinking about dumping Figo & finding another Pet Insurance Company! Figo has not met my expectations whatsoever! Figo needs to do a lot better at processing claims in a timely fashion! I so far am not happy with the Figo turn-around time!!!

I have really struggled to get Embrace to understand I split my wellness bills from the vet into payments with the vet. I have had claims denied because the vet receipt to me says zero, but the charge was moved over to my installment, and they won't accept the installment because each payment to the installment doesn't have a wellness item attached to it. I send in both the zeroed out bill with costs, and the installment receipts, and still get denied.

It took me multiple times to submit my claim. Your website kept saying there was an error and please call for customer service. It did it numerous times but then when I would click the back button it would show the page required to continue the claim. ANyway, it was finally annoying and frustrating until I was able to finally get the claim submitted. About 20 minutes of my time instead of 5 minutes...

Terrible claims experience. Took them weeks to process a single claim and then rejected it. Could have rejected it in a day or so. For pet insurance I recommend folks use American kennel club which will cover preexisting conditions after 1 year of coverage. Lemonade claims does everything it can to scam you out of reimbursement, including counting unrelated symptoms as “preexisting”. If your pet has ever thrown up before, every future case where they throw up will not be covered, even for completely different causes / illnesses. Terrible company tbh

I insured my dog and cat for 12 years with Nationwide. I regret that I did. It was a waste of money.

None

An absolute scam. My senior cat had a UTI this summer and an ER bill for $1300.