Spot placed so many barriers to my first claim, I canceled in frustration: 1) calls went to an off-shore answering service that was useless; 2) the claim was commingled with an invoice among my pet’s medical history and that had to be removed by an agent of the company; and 3) the company continued to ask for medical records that were far more clinical than required. Not recommended unless you are willing to put up with confusion and processing delays.

Have 2 dogs insured. Both take monthly meds. One claim gets paid almost immediately while the other consistently takes up to a month. She’s been on the same med since before she turned 1. She is now 4. Nothing new. At the point the yearly rates are increasing, by next year it will probably be too costly to keep insurance. Will have to weigh it out.

The customer service is fine, I'm giving this low rating due to the ridiculousness of their pricing algorithms. My pet's policy is set to renew in October and the monthly premium increased 68%! Yes, you read that right, 68%! I don't even know how that's legal? But I'm stuck with the policy since my dog has allergies (a pre-existing condition), otherwise Id go elsewhere. Shame on you, Embrace.

If I could give 0 stars, I would. Absolutely scam of an insurance company. They charged us for 5 months and when our pet finally needed to be taken in for UTI they denied the claim. They said we didn't have a checkup in the 12 months prior to enrolling or in the first 30 days -- which is something i told them during the onboarding because he's only 2 years old, we only had to take him in for the first year of neutering and vaccinations. If the initial checkup is a mandatory requirement for any claim in the first year to be successful then why continue taking my money? Why not mention it several times? why not remind your customer? Why not train your sales reps to emphasize this? I spoke with three sales rep during onboarding and an agent before the day of his emergency surgery and they said everything looks fine. DO NOT GO WITH FETCH, their customer service is atrocious, and their policy misleading.

My dog was insured for 9 years. We never filed a claim. The past two years the policy doubled. $45 to $90 causing me to changed the deductible to get it to $70. This year it doubled again to $158. I cancelled it. Crazy. Worse than BlueCross for humans

Rather cumbersome process

Your explanation of coverage is misleading. My plan says it covers surgery, and spaying is surgery. I also have a preventative policy. Your website indicates that spaying as preventative, but doesn’t make it clear that the Gold tier doesn’t include spaying. I will be taking my coverage for both my dogs elsewhere.

Total scam! Go with a different option. You end up paying MORE using Spot just to have a membership - they cover almost nothing.

It takes a VERY long time for the claim to process and get reimbursed back.

The worst!! Price gouging worse than human insurance companies. It’s all a scam. So many better companies out there these days. Edit: since I can’t reply to the canned reply from embrace I’ll do it here. There are SO MANY better options out there for pet insurance. Better coverage, WAY better prices and better reviews! Embrace is owned by a monopoly and they do NOT care about pets. They care about MONEY! Please don’t believe the reviews that sing their praises. Either they are people who just signed up and haven’t had premiums double or triple the first time they renew, or they are totally fake reviews altogether. This insurance SUCKS.