Nothing they did was illegal. Just heartless. This is a company that only cares about making money. I was with them for 17 years. They have changed ownership and names a few times. The coverage went down and the rates kept going up. Once you decide on a pet insurance company, you're pretty well stuck as your pets age and have conditions. Know that going in. Fetch instituted deductibles PER CONDITION in recent years. That makes it nearly impossible to ever collect. An older pet, like an older human will have multiple conditions. I stayed with them because no other company would take my kitties as they aged or they were prohibitively priced. In early April, it was clear that my remaining 18 year old kitty was nearing the end. I wasn't going to go to extraordinary means to keep her alive. She had a chronic, terminal condition. I called and cancelled my policy before it renewed at the end of the month. I had a long talk with the cancellation guy, explaining clearly why I was cancelling. One would think he would pass this information along somehow. Instead, I immediately started getting automatic emails asking me to renew, as if I was just switching companies! Seriously? That was heartless enough. But, I had to put her down on 4/22, and I'd already asked if euthanasia was covered. It was in her case, as it was a continuation of a documented condition. I filed immediately, and they've paid a tiny fraction of what I've paid out to them. All legal. That's the insurance business. But, guess what? I'm still getting solicitation emails, not just one, begging me to renew! The cat is gone! If you had any heart, any communication within your company, Fetch, you'd have sent me condolences and left me alone. Instead, they send automatic, standardized, impersonal, and heartless emails that even use my cat's name! Stay far away from this company. They won't be there for you. Oh, and if you're a day late beyond their timing for filing a claim, they won't reconsider. They just won't process it. In particularly busy times in my life, I've been a little late. It didn't happen often, but no matter how long you're with them, there are no exceptions. They won't reconsider. I think venture capital and AI run this company. As long as your pet is young and healthy, you'll get low rates. But even if you stick with them, they will find ways to increase your rates and lower your coverage. No loyalty. Just know that going in.

I had to send my invoices about 4 times before they were looked at and approved. I would get an email back, several days later saying "something was wrong with the invoices" and they couldn't fix it right now.

Wow! On top of already exorbitant rates, I just got notice they will be raising my pets' policies by OVER DOUBLE! I have had them for years (since PetPlan), with just a few minor claims which didn't pay out much. This is absolutely ridiculous - paying more for my cats' insurance than my husband's and mine combined. Sad to think I've kept them so long. Guess I will go the route of many others and just set up a savings account for my fur-babies - wish I had done that 5 years ago. Would definitely NOT recommend.

If you go back to edit anything or even to take a second look the information you have entered is not saved. Frustrating

Electronic application, paper mail response, no way to contact email or otherwise.

It's a shame I can only get one annual checkup reimbursement for my adopted dog. I'm still paying some for that checkup. But, I even on social security, will take Topie in twice a year to see the vet. I will just have to pay the entire bill for second checkup for him.

Embrace raised my rates significantly even though I had no claims the past year. I spoke with the Embrace representative about this rate increase and they could not/would not do anything. While the customer service was great, I decided to go to another company.

I had signed up for trupanion pet insurance after reading good reviews. Now my dog had a CCL rupture and needs surgery. They refused to cover ANY costs because they classified limping as a pre-existing illness. After my vet send them a lengthy letter (as seen in picture) they STILL denied coverage saying they do not cover any CCL injuries that occur within 18 MONTHS!!!!!! Absolute waste of time and money. My vet hates them too. Have cancelled my subscription.

I cannot endorse Embrace Pet Insurance unless you enroll your pet immediately after birth. Any health issues your pet had before enrollment are considered pre-existing conditions. For instance, my dog had an ear infection a few years ago, so any future ear-related issues aren't covered. He also had diarrhea once, which counts as a pre-existing condition. Additionally, he needed to have a tooth extracted, meaning dental work is not covered. Two years ago, my dog exhibited signs of a potential seizure before I had pet insurance, but he was never officially diagnosed, so it was never confirmed. Fast forward to now, my dog experienced multiple seizures one night, and it required an emergency vet visit. When I submitted a claim, it was denied due to pre-existing conditions, meaning the ER visit and any necessary future medications will not be covered. I understand their perspective, although I disagree with it. I wish it had been clearly communicated when I signed up that his policy would essentially provide no coverage. Had I known, I would not have purchased the policy at that time. I feel deceived and betrayed. I cannot recommend Embrace Pet Insurance because, when I needed them, they were not there for me.

The vet office used to be good now they treat you like dirt . Slow process always wanting to add more stuff ti raise price.