I have been with Embrace for about 11 years now. I currently have 3 cats insured and I had 1 cat who has passed, who was also covered throughout her life. Up until recently, I would rave about Embrace and recommend them to anyone looking for pet insurance. My policy is set to renew in a few weeks and I recieved the new documents for the upcoming year and to my surprise, my premium was doubled, without warning. I spoke to an Embrace representative, and the policy for my oldest cat went up substantially. The representative told me it was due to age (my cat turned 12 this year) and they could "look into ways to reduce the cost" but in doing so, the coverage would be decreased as well. To say I am disappointed is an understatement. My oldest cat had some major health issues in the last few months and we almost maxed out his benefits for the year in a matter of weeks. All of my pets have been insured with Embrace since they were young (all before they were 2 years old). There have been many years that we did not make any claims for the year, beyond their wellness rewards. I insured all of them with the maximum coverage available, knowing it was an investment for their future. Though they didn't need the coverage as much when they were young, I knew as they got older, they would, and I wanted to be prepared to take on any medical issues that came up. Now I feel that they raised the premium for my oldest cat based on the medical issues that came up recently. His medical issues were not pre-existing and up until he got sick recently, we again, hadn't used his insurance beyond his wellness needs. This price increase seems directly linked to his recent illness and I have no choice but to pay their ridiculous increase, so that my boy will have access to the medical help that he needs. Embrace also knows that if I cancel my coverage to look for a different insurance company, all these current illnesses would be considered "pre-existing " and they would not be covered with a new policy. My cat who passed away, who was also insured with Embrace, was 15y when she passed. Not once did Embrace increase her premium due to her age, like they are claiming is the reason for the new increase for my boy. But she also didn't have as many claims in her golden years as her brother is having, which seems very suspicious. My cat has been insured with Embrace since he was 6 months old. I've paid thousands of dollars over the last decade to Embrace, and now that we need the coverage they are doubling what we have to pay just to keep him insured with the same amount of coverage that he has had his entire life. I feel scammed and I know I have no choice but to pay because he needs to be insured. Embrace, please be more clear in your policy that if your pet becomes ill and uses too much of their insurance, you will increase the price to retain the same amount of coverage. That should be known to customers upfront since pre-existing conditions limit the cover

Absolutely abysmal - a total scam. (Just read the zillion awful reviews on the BBB pages) Had accident coverage for my cat who threw up blood one day. Vet did bloodwork and examined him and determined he’d eaten something weird and was fine (which he was, thankfully). Spot denied my claim (over $600) repeatedly saying he was ill. He’s never been ill a day in his life - which my vet tried repeatedly to dispute (as did I). The bloodwork was clear and there was literally nothing that would lead to that false conclusion. Did they care? Nope. BOTTOM OF THE BARREL

I wish I could give zero stars. I have 3 pets and now have all of them with Lemonade. Fetch has been the worst pet insurance company I have ever dealt with. The are expensive and the reimbursement is terrible. It is like have a bad car warranty that doesn't cover anything. The customer service at Fetch is absolutely worthless. If you are looking for a wonderful pet insurance, consider Lemonade Pet Insurance. Lemonade is fantastic.

I met my deductible but had to pay for most of the charges after that and have more expense coming. At this point I am thinking it is not worth continuing.

I keep sending all required medical records for Sabrina. However, I continually get emails that you haven’t received them and eventually have my claim denied!

Paid premiums religiously. When my cat needed diagnostics, I got a masterclass in insurance bad faith instead of coverage. What happened: - Entire diagnostic workup denied under blanket "pre-existing thyroid" excuse - No breakdown of what was actually denied vs. covered - Unrelated imaging and consultations were lumped into the rejection - Second claim delayed for weeks as "pending medical history" despite records already on file - Forced my vet to re-send identical documentation they already had The punchline: When my vet asked for claim itemization, Embrace went silent. Their "appeals process"? Make the veterinarian write a letter that goes back to the same underwriter who denied it initially. Translation: You're not buying pet insurance. You're funding an elaborate claim denial operation with a fake appeals process designed to exhaust you into giving up. Save your money. This company sells protection, but delivers a professional runaround when you actually need them. UPDATE: 9/8/25 My response to Embrace’s public statement: Embrace says they’re “upfront” about coverage and that pre-existing conditions are “determined directly from the notes provided to us from your veterinarian.” That is not true in my case. My veterinarian emailed Embrace directly and pressed them for itemization of which charges were being denied, the dates of those charges, and the justification for tying them to hyperthyroidism. Embrace ignored her request and issued blanket denials anyway. If Embrace were truly using the vet’s notes as they claim, they would have answered my vet's questions instead of dodging them. This shows Embrace is not being transparent with policyholders or veterinarians, despite what they write in their template replies.

The rates have gone up an average of 30-40% every year. This year for my 2 dogs it is going up 258%. It is going from $138.09 to $356.39. One of the dogs went up 320% because he turned 10. The other is only 4 years old and went up 55%. Despite what they say in their reply it is not true. My 10 year old has been insured since he was a puppy. He has never had a surgery! He las low thyroid and arthritis, that’s it!

Trupanion replies quickly when invoices are submitted. I wish they covered more of the vet costs though. Our dog is old and having trouble with a corneal ulcer. Now seeing a specialist and the cost is high. Not even 50% of it is covered which isn't great especially when my monthly cost for the insurance keeps going up.

I filed a claim for my 17 month old AmStaff. She had a skin infection and bumps all over her body. Not only did it take Pets Best a month to process the simple claim, but they also denied every single covered expense. Their reasoning?! They requested ALL of her medical records. Which is crazy because they HAVE all of her records. This was the first time she’s ever been ill. Don’t recommend them at all!!

Normally I have no problems with my claims however I was unable to submit the claim through the regular channels and had to send the information email. I have been asked numerous times fir the diagnosis for this claim for Boo and have replied. I have now just resulted the entire thing because now the suit claim process is working which unfortunately is not always the case. I hope my resubmission helps