Difficult for older folks to use…especially under stressful circumstances…..loss of pet.

The coverage is expensive, but I don't get much out of it. Last year, it would have been cheaper to just pay my (expensive, excellent vet) and skip the insurance. In part, because Embrace avoids paying out anything, it hassles both the paying customer and the veterinarians office, and I ended up paying for both the insurance AND the vet bills. I've never seen anything except "longer than average wait times" for customer service. It's like they think a US-based service won't have more customers try to call during the day, during their operating hours, and average the wait times for all 24 hours. For example, for each claim they expect the veterinarian to send the complete medical records of the dog. If you RECENTLY adopt a PUPPY and there isn't enough of a medical record, they'll call the medical record a summary and put the claim on hold indefinitely. It's a two month old puppy in for his second vet visit, this time because he's sick. How long do they think the record will be? I have never received a check from Embrace, though they claim they sent one for other services. A check that was $250 on an over $1700 claim, I might add. If you like paying double for the same amount of healthcare for your pet, this is the insurance for you. It's like paying someone so that you can do extra paperwork without any benefit. Oh, and it auto-renews and does not allow you to opt out of auto-renew. With most services, I like auto-renew, but I want to drop this "service" so much. My veterinary clinic works with other insurance firms the way human hospitals work with insurance firms. This is not the case with Embrace. I'm not saying that this is because Embrace is difficult to work with and doesn't pay out. I'm just saying that I've found Embrace difficult to work with, and it doesn't pay out and wouldn't be surprised if vet offices don't want to work with them because of this. The second star is only because they have a nice-looking website. I'm definitely getting scammed by Embrace and will drop them as soon as I figure out how. A feat that is proving to be challenging.

I recently submitted my first large accident/emergency vet visit claim to PetsBest. I have been a customer with them since 2022. The incident with my pet happened in the days leading up to Christmas, and emotions were high. One of the only things keeping me calm throughout the harrowing (and expensive) ordeal, was the thought that the claim I would be filing was surely going to be reimbursed. To my utter dismay, my claim was fully denied. Upon further investigation, the underwriting company incorrectly categorized my pet's "condition" and subsequently associated it with what they deem to be a "pre-existing condition". This is lazy and unacceptable on PetsBest's part. I now have to spend my time gathering "evidence" for an appeal. To add insult to injury, they're raising my yearly premium. Not sure why I bother paying for pet insurance when I can't count on my claims to be covered. Their customer service is mediocre at best, as well.

This insurance is a joke and has never been worth the money. I've paid this sleezy company SO much more than I've ever received, and I definitely would have been MUCH better off just putting money in a HYSA or a market ETF for my pets. Embrace will jack up their prices so much every year that at this point I would have been paying almost $400/mo for four mostly healthy cats, only one of which is elderly (and I still almost never used this insurance for him). That was with an annual coverage limit and a $1000 deductible (per cat). I had to remove my oldest cat due to cost and it was still $250/mo. What a scam! I had felt trapped because one of my other cats was 12 and until recently most insurance companies wouldn't cover cats age 12+. But now Spot does! I went with them and I'm paying more than $100/mo less than I was with Embrace. This insurance is just for emergencies (no insurance company is worth it for anything routine or even for covering most conditions), and I hope that in a year or so I'll have enough saved to cancel it entirely.

This is a terrible insurance. Don't bother. Constant requests for more information from the vet, just so they can deny your claim. I had preventative coverage for my dog, and they requested 2 years worth of vet records to reimburse for a vaccine. You don't need 2 years of records to do this reimbursement. If you like to jump through constant hoops, and get denials, this is the insurance for you. Also, canceling the insurance is a nightmare. There is no way to do it online. They make you call them to cancel. Terrible business practice.

Honestly this insurance sucks. I feel like none of you guys actually pay attention or care.

AWFUL SERVICE... GOT DENIED ON MY MILOS CLAIM. FIRST TIME USING MY PETS INSURANCE..BECAUSE OF THE WORDING ON HIS INVOICE.EVEN THO IT STATES PAYED IN FULL..

Metlife Pet Ins is out for one thing, make big money! Denying claims is what their employees are trained to do and upsetting their customers to the point of making them cry! Shame on you Metlife! I have already talked with three different agents about my claim and have gotten no where. Our dog was just diagnosed by our vet with a luxating patella. The last agent I talked with basically told me they are trying to say it is preexisting and we have been insured with you for 16 months! Preexisting? Really? They are trying to bury us in paperwork so we will just give up like we did with the first claim that they denied. Shame on me for thinking that you were going to be a trustworthy company.

You coverage doesn't cost even 50% of the portion in which vets charge. The price monthly is now out weighing to continue with service even with preventative service

When submitting a claim, the select provider box is unacceptably slow to respond