Denied a wellness exam reimbursement for lack of medical records. That was her first time going to the vet she has no medical records. I won't be wasting any money on this company!!!

Frustrating to submit 3 invoices as her condition did not improve and xmas eve original vet closed so had to bring her to ER vet. Your software only takes 1 hospital and invoice and yet you state you want all of them together. Impossible. As if this whole experience is not stressful enough.

I have submitted 3 claims and 1 precert. The precert and one of the claims were reviewed and reimbursed within a couple days. The turn around time on the completed precert is still in review 9 days past submission. This claim should have been the easiest to review as the precert was completed beforehand. Nine days is a lot of time for a procedure that was out of pocket over $2,000.

Everything will be a preexisting condition and denied coverage, including curable infections that have been healed. Waste of money.

Pet insurance is an incredible resource when it comes to managing the financial burden of unexpected pet-related expenses. However, I’ve encountered a frustrating issue with Embrace Pet Insurance that feels both unreasonable and unfair to loyal, paying customers. The inability to increase the reimbursement percentage and amount on an existing policy without triggering additional waiting periods is unreasonable. This policy effectively turns any pre-existing condition your pet has into a permanent limitation if you wish to adjust your coverage. Additionally it does not consider how accidents may cost more than what the customers anticipated at the beginning of their policy. An embrace representative stated that any increase of policy, regardless of when it’s done will result in current conditions or injuries becoming pre-existing and no longer covered under the insurance. This basically means that you are stuck at the amount you first selected when you initially started your policy. As a paying customer, I find it disappointing that policy adjustments aren’t more flexible, especially when the goal is to provide the best possible care for our pets. While the coverage itself is valuable and reimbursements are reliable, this limitation is worth considering before choosing Embrace.

spot did not cover my valid claim for a biopsy ,they denied it check all of thier reviews. I just filled a BBB complaint . Spot responded here but never contacted me . I called 1/07/24 and the representative couldn't locate a manager /supervisor and they also have not responded to my email. Check Spot reviews on yelp ...Revised Statement: It has come to my attention that Spot Pet Insurance canceled my policy as of November 2, 2024, without providing any prior communication, explanation, or refund for unused premiums. On January 13, 2025, I contacted customer service, where a representative appeared unclear about the matter and informed me after an extended call that the issue would be escalated to senior management. Despite this, I have received no follow-up communication or resolution. I subsequently filed a complaint with the Better Business Bureau (BBB). However, Spot Pet Insurance responded to the BBB with a generic statement claiming they are resolving the matter with me, which is factually incorrect. I have initiated all communication, and no manager or higher authority has been made available to address my concerns. Customer service has proven unhelpful, and this lack of transparency and resolution is unacceptable. I am formally escalating this matter by filing complaints with the New Jersey Department of Banking and Insurance (NJDOBI) and the New Jersey Division of Consumer Affairs to investigate Spot Pet Insurance's handling of this situation. I reserve the right to pursue all appropriate legal remedies should this matter remain unresolved.

Spent almost $90 per month for a year, never used it and then they raised my rate to $120, so I canceled. THEN they told me they had a special rate at $14/month for major incidents only (which is all I really wanted anyway). Not impressed

Very hard to get claims approved. Very dissatisfied. Much easier with my other dog’s insurance. And they about doubled the new year premium. Probably going to drop them for all the frustration.

Up until now, we had Embrace insurance for our rescue cat. For three years, we had no claims and the cost per year was about $400. This year, the cost just about doubled, and we did have a claim with only two weeks left of our policy, as we decided not to renew. Our cat seemed to have issues walking up stairs, couldn't jump up on a chair, etc., so we had to take her to the vet. After x-rays, blood work and a shot, the bill came to $850.00. We submitted the claim and was only rewarded $102.00 for what we thought was a bit low for the standard treatment of one visit to the vet. Not ever having a claim for as long as we had the insurance, we thought we should have had a better settlement. It was, however, easy to submit a claim and the response was very quick.

I ended up with a cat that my daughter brought home from college. I bought Fetch Insurance in mid summer. My cat had his first visit to a vet in December and needed eardrops for a yeast infection. DENIED. The vet also said we should have his teeth cleaned which Fetch advertised that they would cover. DENIED. All claims in the first 12 months of your policy will be DENIED as pre-existing conditions. Buyer beware. I wish I was an an attorney and read all the fine print. Here's the kicker. When I called to cancel, they made me pay a prorated amount since the date of my last payment. I'm sure it's a very profitable business. Denying customer claims makes money for the insurance industry. Pets are no exception.