I had no claims for the past year and only 1 small claim the year before and they hiked my rate by 50 percent so I would be paying nearly $3000 a year. Luckily I found better, less expensive coverage through Lemonade.

the effective day is 10 days after sign up. my dog got into a fight and got a minor punctuation through her ear 3 days after sign up and therefore the insurance won't cover it

The big positive about my dog dying is that I can cancel an overpriced and largely useless policy with Embrace. Have been a policyholder for 4 different animals for over 10 years. Used to like them and enthusiastically recommend them. Something went grossly wrong with this company around 2021-22. Astronomical rate hikes, nothing covered, every claim submission a problem. Look at Forbes' ratings or WSJ. There are much better options these days than Embrace. All I can say is Embrace has essentially stolen from me and ruined my life dog health care wise for at least the last 3 years. AVOID.

Prompt response, but it asked for prior info and documents that were not part of the initial claim requirements.

They canceled my policy and sent me an email stating this, yet they continue to steal money from my account for the last 3 months. Fetch pet insurance are nothing but con-artists and thieves!! Avoid at all costs!! They were not letters stating my payment method had expired as they say. The email i received stated my account was CANCELLED!! Yet they continued to take money from my account which would be impossible if my payment method was not working!

Didn’t want to approve a claim for an ear infection because of a skin infection (which was caused by a reaction to new soap) 8 months prior. I had fetch before, I should have never left fetch. 600 dollar policy got me nothing, what a scam.

No dental just because he has a little tarter???????

I was originally very happy with Prudent until I had to file a claim. They are the cheapest by far but you get what you pay for. They made it difficult to file a claim and they did not cover the actual vet visit for an emergency puncture wound. So read the fine print as they seem to be well versed in hiding what they don’t cover.

So far, unfortunately, I cannot give embrace a good review. It seems as though they will do anything they can to avoid paying any claims. Basically, one of my kitties has a completely clean bill of health for his heart, but on one emergency visit showed he had a heart murmur (due to fear! He’s never had one since) And they are excluding any future heart related issues from his coverage, saying that he has a Pre-existing heart condition (laughable because the same exact vet took an x-ray of his chest and said his heart is fully healthy, and his chest is completely clear). When I called my vet to chat with them about this and they heard I was using Embrace they said that they are a nightmare to deal with and basically I should switch to anybody else. I am appealing his heart condition on the medical review since it is not an actual pre-existing condition and hopefully things will look up in the future but honestly, I’m expecting the worst.

Disappointing Experience – Slow Claims Processing but Fast Premium Increases I am extremely frustrated with Spot Pet Insurance. I submitted a claim for my dog’s surgery on February 10, 2025, and nearly a month later, I am still waiting for my reimbursement. I have sent all required medical records multiple times—first through my vet (VCA Natomas Animal Medical Center on March 5) and then directly myself on March 10. Despite this, they keep asking for the same information, dragging out the process unnecessarily. What’s even more infuriating? They had no problem increasing my premium right after I filed a claim, but when it comes to actually paying out the reimbursement, they delay and make things difficult. This company claims to be honest and reliable, but my experience has been the opposite. If you’re considering getting pet insurance, be warned—Spot will take your money quickly but stall when it comes to paying out claims. I will be looking for a more trustworthy provider after this experience. DO BETTER, SPOT!