Premium doubles in one year knowing other companies won’t cover preexisting conditions. It’s a trap So I contacted Fetch again following their response. My premium went from $309 to $680 per year. I requested a quote if I lowered cap from 15k to 10k. No change in premium. They say if you have a small breed dog that develops allergies, by age 4 their premiums could double.

My premium went up 40% this year. No claims, no interaction with embrace. Sure, my dog’s a year older but 40%. Not happy. Stay away!!!

Price is the only good thing about my Pets Best policy. Everything else is terrible, especially trying to get paid for claims. I have a diabetic cat and have to submit claims for him regularly and it's a nightmare.

I purchased accident coverage from Embrace to ensure my dog, Daisy, would be protected in unexpected situations. Unfortunately, when she suffered a clear reaction to insect bites after playing in a field—something any pet owner would reasonably consider an accident—Embrace denied the claim. The veterinarian's note confirmed that her symptoms were consistent with insect bites or stings, yet Embrace still refused to cover the incident under the accident plan. It’s incredibly frustrating and disheartening to realize that even straightforward, unpredictable injuries like this don’t qualify under their definition of “accident.” I bought this policy in good faith, expecting that basic, common emergencies would be covered. Instead, I feel misled. What exactly is the point of paying for accident insurance if it doesn't actually protect your pet when accidents happen? I strongly caution other pet owners to read the fine print very carefully. In my experience, Embrace overpromises and underdelivers. This feels like a scam disguised as insurance.

The application was terrible. Didn’t load, wouldn’t advance so I called and received excellent phone service. I’ve been with VPI for 25 years and have nothing but respect for your services and your claims app. But today was frustrating.

I will be filing a complaint with the BBB, we have been a customer for about 10 years, with no lapse of coverage or ever exceeding what we have paid. Embrace has increased our premium over 100% to almost $500 a month. When I called them they said it happens to everyone. My dogs have been somewhat healthy, we have been loyal and they increase our premium to bully us out of our already minimal coverage. This company is sad, when you need your coverage they will take advantage of you. Word of advice don’t give them money, put what you would pay monthly aside and hope you don’t exceed that.

My 5 year old staffy was dying of lymphoma, I put in a claim for all the test he needed, it took them a month to stop asking me for the same documents over and over, then my dog died, they denied my claim saying i didnt have that coverage, when I promise you, I did have it

It is going on my 2nd month and they say they reimbursed me but didn't. They also are taking alot longer on older claims than new ones that they aren't even reimbursing when they say they did. I don't understand when they have all the appropriate paper work. I think they want you to make more premium payments before they actually pay you. Just my thought lol. Not facts. They need to speed up the process because that is very inconvenient. If I would have known I would not have signed up. Im going to give a little longer though and see

I am writing, yet again, to express my growing frustration and disappointment regarding a recurring issue with my monthly claims—an issue that has persisted for nearly three years without resolution. Despite providing clear, written documentation from my veterinarian—filed with my account—stating that both of my dogs require AGE every month, your team continues to process these claims incorrectly. I submit this documentation with every invoice and even highlight the AGE section to eliminate any possibility of confusion, yet the same mistake occurs month after month. This repeated failure is inexcusable. It demonstrates either a serious lack of training within your claims department or a complete breakdown in internal processes. I have been given the same tired explanations for years: new staff, understaffing, account flags being “missed,” system issues. At this point, those excuses are not only insufficient—they are insulting. Three years is more than enough time to identify the problem and implement a permanent fix. Your service is failing to meet even the most basic standards of accuracy and accountability. As a paying customer, I expect consistency, reliability, and professionalism. What I am receiving instead is systemic incompetence and indifference. Were it not for the restrictions posed by pre-existing condition exclusions, I would have moved on long ago. Sadly, I am effectively trapped in a relationship with a provider that repeatedly demonstrates it cannot meet its obligations. I am formally requesting that this issue be escalated to a senior-level decision-maker with the authority and competence to implement a systemic resolution. I should not be forced to waste my time each month correcting the same preventable error. This is wholly unacceptable and deeply disrespectful of my time, my effort, and my loyalty as a long-term customer. Furthermore, I find it entirely inappropriate to be told that I must contact your office *again* when this issue has already been flagged multiple times. If resolution is truly a priority, the responsibility should be on *you* to contact *me*—not the other way around. I expect a prompt and thorough response to this message, along with confirmation that meaningful corrective action is being taken. Enough is enough.

Increased policy by a couple thousand every year on top of the $400 deductible that doesn’t cover preventative care, dental, etc. They want over 8k this year & once a dog is 16 they have preexisting conditions other companies won’t cover - so embrace takes advantage of that.