VERY DIFFICULT TO GET INFO TO LOAD

It’s a pain to file a claim…. It’s hard to get a hold of the vet for pet records..

As a "loyal member of their pack," (their words, not mine) Embrace sent me my policy renewal with a 46% year over year increase in the premiums. We have made no claims. This is criminal. Over $1100/year for the bare minimum coverage. It is now more cost effective to put that money aside for the possibility of a bill. Sending anymore money to Embrace is akin to lighting my money on fire.

You pay extra for wellness care, I feel the reimbursement should be slightly higher as prices at the Vets have increased, the reimbursement should be at some par to their increases. In my case I paid $800.00 and got a total back of about $115.00!

Got a 2 year old healthy GSD rescue. Have had insurance for two years (he is now 4 years old) and without any notice see the auto charge go from $53 to $80. That is a 33% increase with no claims. Be prepared that by the time your animal is getting older you will be paying THOUSANDS a year for insurance at this rate of increase. I DO NOT RECOMMEND THIS COMPANY. Put the premium you would pay in a savings account for your fur baby!

Most of my claims are slow to be reviewed. It appears to me anytime I have a claim that is more than $100.00 they have to review my pets records. They request records from my vet. A week later I will receive another email telling me that my vet has not sent the needed records. I have been in contact with my vet. They reassure me that the day they receive they sent the records. I feel that Embrace gives me the run around hoping that I will give up on asking for a reimbursement. I do not recommend this insurance. I gave 2 stars because the small claims have been settled in a reasonable time frame.

This company is a fraud. After submitting all medical documents, I received a confirmation email that my cat was covered. Then they denied my claim because they said the documents I originally uploaded weren't valid. I spoke with several customer service agents, none seemed like they knew what they were doing as I received different information from each one, and one agent told me they don't look at medical documents until a claim is filed; so they falsely told me that my cat was covered when I originally signed up. Absolutely disgusting business practice. Don't use them. They'll steal your money and you'll still end up with a vet bill.

I would not recommend. Claims were denied on my senior dog when he started having liver issues because when he was a puppy he had a high liver enzyme reading after surgery. They claimed pre-existing condition. My other two dogs were still insured with them when they started not paying claims because I started using Pet Desk points and paid ahead on my account. When I used my credit balance they claimed I was getting discounted services. The line items on the invoice were not discounted, I was just trying to use my credit balance. That was when I did the math to see if I was really saving anything over a three year period. I was shocked to see that I was paying hundreds of dollars more by having the insurance. I no longer have the insurance and just set aside the money each month into a fund and I'm saving a lot of money. Update after response: An abnormal liver enzyme during recovery after a surgery is not a precondition of anything except normal metabolism of healing. Especially when there is many many years that it is normal again before a true illness occurs. My rating stands and I would give lower if I could.

Fetch is THE WORST. I called to cancel my policy because I wasn’t able to use it for a costly emergency and the customer service provider convinced me to keep it, I filed 3 claims all of which were for BASIC things that were supposedly covered under my policy. Each time they asked for more information for the things I was claiming, I provided them and was denied everytime. I more than met my deductible and ended up having to pay out of pocket for everything my dog was seen for. Each time they gave me some BS reason as to why I couldn’t be reimbursed. Do not use them, this is totally a scam!!!!

Do not believe any reviews you see on here, they are probably from trupanion themselves, or from prior years. They had losses during covid and are trying to make up for them by current customers, and know once you have a pre existing condition you can't leave. Also, if you bring on a pet, any older than a puppy, you'll be screwed. They swear they don't increase their rates based on age, but they do increase their rates based on the age they take them on. My one pet I brought on at 6 mos - same breed, other at just turned 2. After first year, they increased my 2 year old 33%, and my other 10% - said it had to do with area and vet pricing, but they live in same house and renewals were a month apart lol. Took months for them to finally tell me they were charging me more b/c my one, although never had a claim and was brought on with a clean bill of health, was being billed as a 2 year old, to defend the 100 - 133 a month pricing for a mixed frenchton. Following year, no claims for my one, claims for my other as usual, they both increase 15%. My vet bills, and i go to one of the highest in the city, do not represent any of the increases they are charging me. 2 dogs - 3 and 4, is now 292 a month... So what they are forcing you to do is increase your deductible, but your deductible is by condition - so my one dog, who has issues, has to go re meet every single condition by $250 just so her plan is affordable. But they will sell it to you like, the other plans make you pay every year... I'd much rather pay one deductible that is expected, than 10 $250 just to afford my plan. My dog has met every condition by a TON - and yet, it starts from your current deductible and you have to meet the difference to your new $250 higher deductible lol. THEN i go and look at their quarterly financials because i'm a financial controller and oversee rev audit dep for over 150 hotels and literally cringed.... I called and said, i just wanted backup for the data my rate increases were populated from since they weren't from age or anything else... if they were able to calculate the math, seems like something they should be able to provide pretty easy coming from a controller... i was told it was only for proprietaries and neither I nor they were privileged to that information... Soo basically they can just increase your rate by 45% in 2 years, call it inflation, with no backup, knowing you have pre existing, and make you pay for prior year company mistakes.. RUNNNNNNNNNNNNN. - If you doubt me, go look at their rent quarterly financials - just remember, you have to multiply them by 1k. Profit over people... I plan to copy, paste and warn as many people as long as i'm robbed with this plan and look into lawyers as fast as I can.