I have 3 pets with Embrace, but had fortunately never had to file a claim. The first claim I filed was for my cat, who has a congenital knee injury, and had broken her femur. The first claim was rejected because they said she had injury (which she didn't - a knee is different than a femur) even with Xrays and a surgeon's letter saying her knee injury had nothing to do with the break. Then they changed their argument and said the injury could have been old, like she's been hobbling around the house with a broken leg for months. But then I had my primary vet's notes who had just seen her weeks before saying she was running around and playing like a normal cat. Then they said the initial ER Dr. didn't immediately identify her broken femur, so it didn't really exist. But as soon as the orthopedic specialist saw it, he said she needed surgery immediately because it was already starting to set itself. Basically, every asinine argument they had, I had a perfectly reasonable counter argument for it until they finally said it was at their discretion and the case was closed. They never even mentioned the possibility of a second claim to dispute their findings until I had read through the fine print and requested it. Then they had an independent orthopedic vet advise them and our orthopedic vet wrote a more detailed letter when they eventually ruled in our favor. The entire process took several weeks and even though Embrace says to sit back and "They'll take care of all the work," I was the one who collected all the information to present to the adjusters. They collected the minimum amount of information possible to deny my case and nothing more. Even when the evidence was overwhelming clear that they should be paying the claim, they fought it tooth and nail. I realize they're an insurance company and their job is to save money, but they shouldn't go so far as to do it at all costs and cheat their customers.

Spent about $1000 on insurance and was denied because the newly diagnosed condition was unknown before I got the dog. Paid out of pocket approximately 3K. Paid for insurance 1K; they covered nothing. They made me wait for a review; then they made me wait another 45 days to dispute the denial. Didnʻt answer my email..refused to issue me a refund even when cancelling and refunding 3 unused days not even mentioning the lying that occured. DONT EVER USE FETCH. YOU CANNOT TRUST THEM

WARNING IF YOU ARE EVEN CONSIDERING INSURANCE THROUGH THIS GROUP. We've had Healthy Paws pet insurance for our cat for the past 15 years. His rates originally started at $20 a month. Rates have gone up pretty significantly over the years. We now pay about $300 a month. This is expensive. However, our has cancer and we have figured the insurance is worth keeping. As of today, we were notified our monthly rate is increasing to over $900 a MONTH. This is not just an annual "price increase" and is now completely unaffordable. I've tried talking to the insurance company on the phone and was told there is nothing they can do. Unfortunately, due to my cats age and cancer we can't get insurance elsewhere. This honestly seems completely unethical. They charge people for years while theur animals are healthy. Then, raise insurance rates dramatically when people actually need them. Honestly, this is dispicable and I am disgusted with this supposedly reputable company.

I contacted the better business bureau today to ask if in one year time a month payment can go to $84 to $217 a month as I’ve been with embrace and loyal for 9 years and for the first time I received back $200 and this is how much my monthly payment got raised. There should be a law on how much of a percentage can be raised year to year, I will look into this because if there is not a law I will fight for one for pet owners. I don’t recommend embrace to anyone. If a pdf could be attached I would show proof the the price increase. This amount raised is ridiculous. This is what you get for being loyal.

You have to wait up to a month to get coverage for your pet your pet will be uninsured in that time frame until someone gets to your case.

This pet insurance was better when it was still Petplan and underwritten by AXA XL. Since it was taken over by Fetch and now underwritten by Axis Capital, they've become ridiculously unreasonable and nearly double the premiums during the yearly renewal with no justification other than the standard "age of pet and cost of veterinary care." My dog is not even a senior yet by veterinary standards and his age didn't double in 1 year to justify nearly doubling the premium! Also, considering most responsible pet owners who bother to pay for pet insurance are highly likely also taking their beloved pets to annual check ups, it's very easy to prove that the cost of veterinary care has also not doubled in the past 1 year to justify doubling the premium. Another major reason to not choose Fetch: they now try to exclude absolutely everything as a pre-existing condition even if it means using illegal practices to do so. If you want to donate your money to a company that doesn't care about your pets and is just after your money, then Fetch is definitely the pet insurance company for you!

I would like to know exactly how much I saved by going through my employer.

Awful company. Downgraded my policy without my consent, screwing my dog over at the end of her life. I don’t know how these people sleep at night, knowing that they hurt people and their Innocent pets.

Spoke with a woman who would not directly answer any of my questions. I asked how long until they cover a CURABLE pre existing condition such as a UTI for a cat which is a common thing some cats deal with and she went on and on and on about broken bones and all this other nonsense. I tried to steer her back to the original question several times and she just couldn’t stay on topic. I don’t know if she was on something or what her deal was but it was very weird. She didn’t want to give me a direct answer. I finally asked to speak with a supervisor. She put me on hold for several minutes and came back and said no one was available. Then she message the supervisor with my question, the supervisor just answered it directly. Imagine that. I asked a question and they just answered it. I told her thank you and that was the question I was trying to get an answer to. She said I should have told her that lol. I tried to explain how this can be frustrating and a little suspicious to a pet parent that’s trying to get info. I explained that it is as if she was working me a little. Like she was saying words without answering the question and talking in circles. I would ask a question and she would answer it as if I asked another question. Very sales pitchy. It was very bizarre to say the least. She then started raising her voice and talking over me so at that point I told her to have a nice day. If you are also curious, there is no amount of time after a cat gets a uti that that they will cover it. There is no curable condition time period like some companies (usually 12 months to 18 months). My cat has had one uti a year and a half ago (she is 2 years old) and if she were to get one at any point in the future it will not be covered. The woman told me not to worry about a uti and that it’s not a big deal which made me uncomfortable. I had to give her a break down of how expensive it actually is. There is the office visit, which is often a same day emergency visit which is more expensive because a uti can come on quickly, the urinalysis, and the medications. It’s expensive. Hundreds of dollars. She then asked why I’m so concerned about a uti, maybe my cat has kidney disease or something. I said no, she does not, I would just like to know what I am paying for coverage wise, what is covered, and what to expect. She then began her sales pitch again and didn’t respond to what I said. She was off on another roll. Very unproductive and unprofessional conversation to say the least. When companies act like this and you get that pit in your stomach, it is bad deal and you need to get off it. There was nothing good about whatever that was. Really scary these people are in charge of providing insurance for beloved pets.

I would like to be able to talk to someone, just online and waiting for an email to tell me if I get coverage just feels like not much care