Worst policy. They are happy to deny a claim.

Up loading of info is very slow. Monthly payments and deductible is too expensive. There should be a discount if we have more than one pet under embrace. Seems like an upgrade to claims process is in order.

My dog has a problem expressing her anal glands. We've been to the vet multiple times and will continue to do so on a regular basis. The Vet wrote a letter explaining that my dog has a medical condition and that this is NOT a cosmetic, elective procedure. Even after submitting that letter to MetLife, you continued to deny my claims.

Your initial evaluation of my claim was inaccurate and poorly done. We had to request a second evaluation of our claim in order for you to pay us half of what we are due.

Be careful sending money to this company!! They are not honest about Rx prescriptions as many states have ruled online prescriptions illegal!! Such as Montana,but this company does not inform you if your state allows it so your pet could suffer!!

I’ve found the claim and payout experience as a new client to not be the best. Have had to call numerous times and still feeling like things aren’t working great.

I used to love MetLife. Now, they take a really long time to process claims and sometimes customer service isn’t great. I lost one of my dogs in Nov 2024 (my policy doesn’t renew until June). I called to report my pups death. I was informed that removing her would increase my rate (substantially) and if I did so, my deductible resets. Whaaat?

I feel like it is pointless to call, there never seems to be a good answer for rate increases or cost discrepancies. They just basically say you are screwed, good luck changing things at the next enrollment period!

Reply from Lemonade

Too many emails. I stop reading them because most of them are "we received" "we are reviewing" "we read" "we reviewed" "we are thinking about it" I don't need to know every breathe you take.