Cancelled after a few months when my very first claim was denied because my otherwise healthy dog hadn’t needed to go to vet in a specific time period before the claim so they thought this could be pre-existing. It was a dog bite. Seriously. Can’t make this stuff up. Edited to add after seeing reaponse: I was told that none of the claim was covered. I knew the ear infection wouldn’t be.

We signed up for pet insurance through Fetch for our dog, Nandi. On June 16, 2023 we agreed to pay $46.13 per month, based on his health, age, and the coverage we needed. Then on April 16, 2024, we received a promotional email from Fetch asking if we would like to extend our coverage to include wellness care for Nandi. We chose NOT enroll in the additional coverage being offered, however on that same day Fetch began charging us $83.03 for our monthly premium instead of our agreed upon $46.13. When we approached Fetch to inquire about these fraudulent charges and to subsequently cancel our plan, their only priority was that they wanted us to continue our plan, and repeatedly refused to acknowledge or refund the fraudulent charges. Out of the $498.12 we paid during those 6 months of inflated premiums, they owe us $221.34 in fraudulent charges which they refuse to send us.

My claim was denied based on your diagnosis not the vets diagnosis. I callled you on it and you said you paid a partial claim, which I have not received but did not reply to my request for the full refund.

Denied all claims ranging from eye infection to stomach blockage, we were "insured" with embrace and still had to pay over $5000 in vet costs. Paid over a $1000 on premiums for basic coverage on our two cats from our local shelter. They were 10months old and had medical documentation from before. All was submitted. Ripoff company, they dont care about your animals. Edit- since posting they have now processed my over year old claims with less than a 50% reimbursement. You need to fight them to do half their job i guess.

Took many months to even get a payment then was told because my vet said my dog had a little tarter on his teeth you won’t cover teeth cleaning.

Marty’s insurance premium went up to $775.??, we have been with you for three years, that was a $250.00 increase, the year before went up same amount. So I decreased coverage amount. This is thru USAA At 5% off and I paid the $30.00 admin fee the first year. I contacted two other pet insurance carriers for same coverage I have now for $525.00 for a years premium. Will not go with Embrace again.

Done with this company. Bait and switch as usual.

If I could give this a zero star review, I would. Have been with Embrace for @ 12 years and never have I had an issue with them. I was told, (not documented by Embrace) that my renewal premium would be @ $985. What to my surprise and wondering eyes did I see but a charge to my credit card of $1449.00! I never received their renewal quote, nor was the renewal premium what I was told. But they have you over a barrel since my pup has a pre-exisiting condition which would not be covered by other plans. So I either don't have him treated for a year and let him suffer (would never do that) or pay all the expenses out of pocket OR renew with Embrace which I was forced to do.

Terrible and now they are getting rid of there insurance and is offing us ODIE pet insurance and premium s doubled and less benefits.

The problem with this company is they wait until you file a claim to tell you what they will and will not cover. Some of the things they will not cover, based on their initial review, are things you would never expect them not to cover. They said they would pay less than 25% of my first filed claim. I say it that way because they have claimed they initiated a payment. I have not received a payment. I have also not received a response to my inquiry about the payment, and this was almost two weeks ago. Like most insurance companies, this one will find ways to avoid payment after months of collecting money from the working class. The whole point of this plan was to HELP. It has cost me more money than if I had just paid my bill out of pocket. Stay away,