Buyer Beware: You will not be able to increase your "Maximum Annual Limit" without reapplying for a new insurance policy (and at that point all current medical conditions will be considered pre-existing). After 14 years of consecutive annual policies with Embrace for multiple dogs, annual policies that went up in cost every single year, and never having even approached our $10,000 annual maximum, we dealt with multiple cancer diagnoses and treatments for one of our dogs. When it became clear that we would be well over $10,000 before the end of the policy year I called to increase the annual maximum and was told explicitly, for the first time, that if I ever wanted to increase the annual maximum I would have to reapply with Embrace for a new insurance policy for this dog and that their cancer would then be considered a pre-existing condition and would not be covered at all. It did not matter if it was done when we were entering a new policy year, either. And this is when I realized what Embrace was all about. I had asked when I began with Embrace if I would need a higher annual maximum and was told then, and in future years when we would adjust our policy by adding a new dog, that I was well covered with a $10,000 annual maximum. When I pushed back with this fact and the unfairness of this policy, they reminded me that I should have read the fine print located somewhere within the paperwork that states their many policies. Then they sent me a box with dog treats and toys and a card letting me know how much they appreciated our loyalty as customers and how sorry they were for our dog's illness. We ended up with $20,000 of necessary medical treatment for our dog that Embrace would not cover because it was over the annual maximum limit of $10,000. What they don't make clear outside of the fine print is that you can never increase that annual maximum amount without reapplying and having all current conditions for your pet considered "pre-existing". We later discovered that there are other pet insurance companies with no annual limits, and we so regretted all the money we paid to Embrace over the years and so wished we had gone with a different company. Dealing with Embrace on this issue was the worst insurance experience we have ever had, at the most vulnerable time of our life as pet owners.

$1200 vet bill Received $190 back from Fetch Even after vet clarified report that kitten did not have a pre existing condition. Have been paying $150 month for two kittens for 8 months I feel like I was fleeced. Sent in paperwork and police case number for missing cat. Discovered Fetch denied receipt. Have to resend information. How convenient they don't have the police case number. Was not reimbursed for advertising material nor $150 replacement costs for another cat. A shocking experience. I will not be giving my money to Fetch ever again.

Website kept glitching and telling me it didn't go through, only to go find I got 2 confirmation emails that my application is being reviewed

It has been impossible to get a claim paid. I have given all of the documents several times and still can’t get it resolved. The Vet sent the information again and I’m still told that it’s still pending. I’m at a loss

The policy terms and what is covered are not clear. For example flea and heartworm preventive is only covered at $25 per year not per treatment. The website states no waiting period that is wrong. My first claim was denied because they stated my policy was not active yet. I have had 5 claims submitted and only 3 paid. Not worth the money. I will not be renewing my policy. VERY DISAPPOINTED!!

FYI Folks.... If you have a complaint against this or ANY pet insurance company. You can do 2 things, file a complaint with the Better Business Bureau AND file a complaint with your states DEPARTMENT OF INSURANCE! They are the ones who regulate insurance companies. That includes pet insurance.

Don’t use this pet insurance. Firstly the app never works, which is why the process is horrible. 2nd they considered constipation as a preexisting condition which is why my claim was denied (which is absolutely insane) 3rd customer service is absolutely zero help. I am disputing the claim but I doubt anything will happen. Waste of money. Tell people to not use them!

Coverage was affordable for a fairly decent plan, but once the one year policy auto renewed it literally DOUBLED in price. This is obviously a power move for them, because if you switch insurances any previous ailments are not longer covered by new insurance due to be pre-existing. I would look into another company for Pet Insurance and get data about their average annual rate increases.

I had a very disappointing experience with this insurance company and felt misled by their unclear policies. I strongly advise looking elsewhere for insurance needs.

Purchased their most expensive coverage after the vet told me I could use this company to get reimbursement for the money spent on my dog’s care. He is a rescue and didn’t have any allergy issues when we first got him. When they developed we got him insurance and then took him to the vet. Filed a claim and was denied because they determined it was a preexisting condition. Which it was not. So I wasted $60 on coverage for NOTHING. terrible customer service. absolutely zero coverage. Literally just a scam.