SCAM. I have paid into my cats insurance $50/ month for 4 years and then they without telling me have been charging me $80 a month since last November. In the 5 years that I have been responsible and had my cat insured, I have never submitted a claim until this month when she was diagnosed with cancer. In comes the first bill for over $600 appointment and ASPCA will pay $20 and stand by their BS reasoning. Do NOT waste your money, but more importantly - do NOT have a false sense of security instilled thinking that the insurance you have paid into for years and years will actually be there for you when you need them.

I really don't trust this insurance company. Every time I submit a claim, you'll never know if they'll cover the costs or come back with something new and denying the reimbursement. They've changed my policy twice and both I've proved that they were wrong. I really don't recommend to anyone and look for a serious insurance instead of Petsplusus.

Pet's Best pet insurance is a scam. They covered nothing for my dog's multiple visits to the vet for an ear infection. They called it a "pre existing condition" because she had an ear infection years ago. Do not waste your money with this company.

Would not allow me to add second cat. When I tried to follow your instructions, I couldn't log in. I will try again.

Along with your rate increase, do you also plan to raise the allowable expenses for vaccines and preventative care and other items?

We've been members with Embrace for nearly 7 years. We went from paying ~$30/mo. to now ~$190/mo. for our Great Dane. In the past 7 years of her life, we have paid 80% more in insurance for her than we have for her standard vet bills. While I understand we are lucky our dog has been healthy - not covering or having to pay additional for wellness is absurd. Rather if we put that $200/mo. into a savings account each month for the course of our dogs life, we would have both the funds to pay for their vet coverage AND potentially have left over at the end of its life. What is truly sad is that in the US where hundreds of thousands of animals are euthanized each year, affordable insurance and pet care is dwindling more and more. I cannot in good faith recommend Embrace to anyone and will also be contacting USAA about the scam of a partnership.

You double charged me. Cancel my insurance

Worst company ever!!! A huge waste of money!

I am absolutely outraged by the way Fetch Pet Insurance is handling my claim. I filed a formal appeal over a week ago, yet I have received no response, no acknowledgment, and zero effort to resolve the issue. I have emailed every available contact, including the claims department and customer support, and all of my messages are being completely ignored. My veterinary bill totaled $487.37, but Fetch decided to reimburse me only $110.00—a mere fraction of what should have been covered. My policy states that eligible expenses should be reimbursed at 80% (after a 20% copay), but instead of following this structure, Fetch applied arbitrary reimbursement caps that were far below the promised percentage. They completely excluded certain charges under the excuse that they weren’t covered, even though these services were clearly part of routine and necessary veterinary care. Not a single dollar was applied toward my $400 deductible, meaning my coverage is practically useless until I pay even more out of pocket. It turns out that Fetch has hidden reimbursement limits on all wellness services, which they don’t clearly disclose upfront. For example, my pet’s comprehensive exam was only reimbursed at $30, vaccinations at $10 each, and lab tests at a fraction of their actual cost—despite my policy supposedly covering 80% of expenses after copay. Since submitting my appeal, I have received no communication whatsoever. Fetch has ignored every single email I’ve sent. This company refuses to engage with customers once they take your money and does not process appeals or respond to formal complaints. Since Fetch Pet Insurance refuses to act in good faith, I will be filing formal complaints with the State Department of Insurance, the National Association of Insurance Commissioners (NAIC), the Consumer Financial Protection Bureau (CFPB), and the Federal Trade Commission (FTC). This company is a scam, and I strongly warn every pet owner to stay away. They gladly take your premiums but will do everything in their power to avoid paying claims. If you want real coverage that actually protects your pet, look elsewhere. Fetch Pet Insurance is nothing but a fraudulent, deceptive business that preys on trusting pet owners. UPD No one from your team even bothered to contact me—everything you stated is false. You sent me a $110 check and had the audacity to deduct an additional $3 fee. I already sent an email to the designated address on February 27, and all the required documents were submitted even earlier. So please, don’t blatantly lie—the facts are not on your side. By the way, I have already prepared formal complaints for all the relevant departments, and since you have failed to respond to my official request, I will be filing them tomorrow.

I adopted 2 healthy 4mo kittens from a shelter and paid $750/yr to insure two kittens and added preventative care add-on option. They declined my first vet visit for “pre existing condition “ no explanation. Then they declined my 2nd visit doing routine vaccines (which should be covered under the add-on). No explanation this time. The app just says it was mailed to me but I didn’t receive anything . Also this took weeks for them to do. Really frustrating process which makes no sense. Complete waste of money and time.