Adopted a dog from Anti-Cruelty of Chicago. At the tail end of the paperwork process, Ken comes in and makes a pitch for Fetch Pet Insurance. Cost quoted was $26. We said I'd like to think about it, he said no problem and he would send an email in case we decided to move forward that we could either contact him through or click a link. A couple of days later we decided to get the insurance and my wife said we never got an email from him. Tried to reach him for 2 days before he finally returned my call. Most of the time my calls went direct to voicemail. Seems he was busy and his phone had died. Said he'd sent an email but, would send it again. We verified the email was correct. Here we are a week later and still no email and he does not return calls. Most of the time, again, my calls go directly to voicemail as Ken has said he has frequently been too busy to charge his phone and it winds up dead. Imagine that. I've made two calls to Fetch customer service. Per their CSR, there should have been a quote in their system that generated off of the quote we had gotten from Ken. It should have been filed by the email Ken had for us. This shouldn't be a surprise at this point, there was no quote in the system. The first guy didn't give a damn but, would be happy to sell me a policy for the $42 I'd been quoted by their online system. The second guy seemed irate about our experience and was able to get the price down to $35. However, at this point I'm pretty well ticked off that Fetch's negligent employee is going to cost us $9 a month so I declined. He told me he would have a manager call me on Monday. This second call took place on Saturday. It's now Wednesday. I still haven't heard from a manager. Actually, at this point, I'm not expecting to. Ken was super nice in our interactions with him over the two days we were at the shelter looking at dogs. Apparently he doesn't understand the way sales jobs work or his part in the system. We think we will still buy a policy for this dog. We have already scratched Fetch off our list so the search will go quicker. The way we look at it, if they have this much of a problem before the sale, I can't even imagine how bad are they going to be when it comes time to reimburse for a bill.

Sky high prices. Increased the monthly prices over &50 and did NOT NOTIFY THE PET OWNERS. Scammers

I have had Healthy Paws for past 10 years. Since they have been bought out by Chubb they are no lon ger the company they use to be. My dog is 10 years old and my premium went up 150% this year with no claims. This company wants to lure you in when you pet is young then raise you premiums so high you can no longer afford it when they get older. Owner look else where when insuring your pet.

This insurance will find any excuse not to pay you it’s a gimmick

I was impressed with them but after just 1 year their rates went up! Not just a little either. I now pay $60 more a month. They blamed it on the vet raising their prices but I ask my vet and they said their prices have remained the same. My older dog had to have some dental surgery and it was a tad pricey and to me they are like any insurance company that as soon as you file a claim on them, they will raise your policy and that’s what they did then they’ll lie to you and tell you this is why they did it. Trust me I was P.O. Stated that they sent an email out saying that the prices were going out, but I never got anything. I went back through all my emails. I got nothing.. they raised one of my animals so for a total of 60 more dollars a month which they think people are rich I guess and they don’t really care if you leave them or not I’m telling you right now just now after a year, your insurance prices will go up regardless.

Claim processing is rather slow. Customer service is rather slow. I should’ve done more research before signing up with them because now that I know there are definitely other insurance companies that are better and at this point I’m kind of stuck with them because another insurance company won’t cover anything that’s already been covered they can consider it pre-existing so my dog deals with allergies and if I go to a different insurance company, they won’t cover the allergy treatments now. But at least it is some insurance and it’s somewhat covered so at least I’m getting something back although at a delayed pace and not at a high rate.

After almost three years of fighting for my dog’s coverage, I’ve learned exactly what Trupanion’s “customer care” really means: delay, deny, and deflect. I provided every document they asked for to prove my dog’s medication was eligible. Instead of taking responsibility for their repeated mistakes, they blocked my number, forced me into email-only communication, and still refuse to provide real answers. Because Trupanion now labels my dog’s condition as “pre-existing,” I’m trapped — paying premiums to a company that refuses to do what it promises. They advertise compassion and transparency, but the reality is cold, dismissive, and profit-driven. Trupanion has turned what should have been support during a stressful time into a three-year nightmare of frustration and financial loss. If you truly care about your pet, stay as far away from this company as possible. They don’t deserve your trust, your money, or the responsibility of protecting your animal’s health. I wish I never went with this company

I've dealt with them several times and have found them to be VERY SLOW in processing claims. Additionally, they say they've paid a claim and it takes forever to actually receive it. Also, when asked why it takes so long, they simply say "short staffed." I made the comment, "maybe I should have considered a different pet insurer," their response was simply, "that's totally up to you. I guess they figure that one less client means less claims to process. I would seriously suggest that you consider other pet insurance options.

At this point I’m disappointed in Embrace. I’ve had the policy for 9 months and have not received a cent of repayment yet have paid monthly premiums. My account at ASLCA on a for met pet was much easier to navigate and prompt in payment.

Shamefully increasing to the highest premium each year of my dog’s life. I’ve been with them for 12 yrs. They only care about money not the animals. They pay for what they say they do because they have to.