I've been a member since 2019. I've never had to file a claim however, I have the insurance for peace of mind. Since I became a member my insurance plan has gone up $37. I was just informed it's increasing to $51 which is insane for pet insurance when all the comps are $30 lower. The increases originally started small, $2, $5 then took a jump to $10 and now $17. Not to mention they are charging 4% processing fees for using a credit card. This is just a ploy at this point to get money.

It is easy to submit claims - but takes really long to get reimbursed for visits. Although Once it is approved, it gets dispersed immediately to my account.

I’ll be honest ,in the year I’ve been with this company is the absolute worst .DO NOT GO WITH THIS COMPANY.My pup had diarrhea when I first got her she was treated ,it’s almost a year later and I had given my dogs beef and liver treats unknowingly that these treats can cause severe issues to dogs including diarrhea with blood ,I sent my claim in after vet ,they denied my claim saying it was the same as when I first got her ..ARE YOU KIDDING ME ,THIS HAS NOTHING ,NOTHING TO DO WITH HER SICKNESS WHEN I FIRST GOT HER.I called immediately venting with the denial,They said oh we will send in the reassessment.STILL WAITING ITS BEEN ALMOST 2 weeks .So I just called again ,oh they said this could take 30 days WHAT WHAT but it takes u ffff no timeto deny it .IF IM DENIED AGAIN I WILL BE FIGHTING BACK TO HAVE ALL MY FUNDS OVER 860 given back to me,If they honestly think I’ll be going through this again ,sadly mistaken.PLUS THEY SEND ME A NOTICE OF INCREASE IN MONTHLY PAYMENTS ,This is the worst company ever ,stay tuned for the next chapter as this is not over

I was pleased with AKC insurance when I first signed up (and, even recommended it to my fellow dog exhibitors), but competence has taken a steep nosedive over the past few months, with claims adjusters denying claims made less than 30 days after a covered event as having exceeded the 180 day limit. I strongly suspect they have either instituted the use of AI to deny claims based upon the inability of their AI software to accurately process claims, or they’ve hired employees who don’t understand how to read a calendar.

HORRIBLE!! Stay away. I had canceled my policy earlier in the year and they were still wrongfully charging my card and after hours of trying to talk to a supervisor no one would help me. They were not able to give me a refund even though they could see my account was inactive and had not been used. a complete scam.

I called because I am nervous about pet insurance. The guy said "im not going to answer all these questions for you because you will know once you file a claim". I said I am really nervous about buying and want to know what will be covered etc. before paying. He just kept asking for my method of payment and said "Listen you wont know what is actually covered until you submit a claim and its up to who is reviewing whether they deem it covered or not so lets just get you signed up so we can begin coverage today. What method of payment are we using". Like excuse me??? so you want me to just sign up and its basically just a guess at the end when I submit a claim whether its going to be covered or not. Yes, I can read what is put online but I called for a reason. I wanted to speak to a representative of the company so I could feel more secure and get more clarity. I did not call just so you can get my credit card info, I would have simply done that online. I was so set to buy embrace pet insurance too! I just wanted to feel like I understood the coverage completely so when I do file a claim in the future I am not blindsided. All the person did was read exact what was on the online portion then say "I wont know until I file a claim in the future if its actually going to be covered or not". How can anyone feel safe giving their money to an insurance company who speaks to them like that???? Oh I then asked him to transfer me to another person and instead of transferring me he just put me on hold forever. I hope he gets fired or has to deal with someone who treats him the same way when he is asked for clarity from another company.

I have uploaded claims and they have disappeared even after a confirmation email. The review time takes about a month not 5-10 working days. The website is very slow.

If I could give it a zero I would. Every time I turned in a claim they denied me. Said it was preexisting. But my pet’s condition was curable & was not prexziting

Too many emails and still waiting for my hard copy of policy

I was told by my employer when signing up with Metlife pet insurance that there were no pre-existing condition exclusions. But you have denied several claims based on this. SO DISAPPOINTING :-(