Too expensive after reviewing other pet insurance

Submitting estimates is quite easy and approval usually happens quickly which is nice. I would be much more likely to recommend SPOT if the yearly deductible was rolling somehow rather than based on signup date. Pet incidents do not revolve around arbitrary dates. Also the fact that you cannot go down a reimbursement level (to reduce your monthly premium) without locking your ability to go back up in the future is unnecessarily cost restrictive for people on variable incomes. At most there should just be a limit on how often you can switch.

This is the worse insurance company I've ever had. They have terrible customer service, they take months to give you your money back from a claim and won't cancel you when you ask them to. I was fed up with their terrible customer service, and waiting months to get my claim money back, so I asked them on the phone in January to cancel my policy. They said they would and they sent me an email to submit a cancellation request. I filled it out and sent it back. In February I was charged $80 for my policy that should have already been cancelled. I call in to ask about it and the lady says, " Oh yeah that's so weird. It looks like that policy was cancelled but a new one was opened and that's why you were charged this month." I told her I cancelled my policy completely with y'all and nothing should be active. I never opened a new one. She said " I will make sure everything is cancelled and we will refund you that money." So they sent me another cancellation request email to fill out and I did. I've been waiting 5 days now to get money that was taken from me without approval. Which made me negative in my bank account because I didn't have $80 to spend in the first place. These people will be rude to you on the phone, not cancel your policy when you ask them to, not give you your money back for a claim until months later, and steal money from you without consent. Terrible company, terrible insurance, terrible customer service. 0 out of 10. Would not recommend to anyone. This company only cares about money, not you.

They are scammers! They scammed me out of 3 months of payments. I cancelled my policy soon after opening it and they refuse to refund me for the 3 months I’ve been charged. Months are for November December and January. I was told I’d get a “REFUND “ and still haven’t received it. STAY AWAY!!! They will steal your money!

I insured two dogs with Pet Partners one beginning in November of 2023 and another beginning in May 2024. For two dogs per month it was $112. On November 4th 2024 I was charged $283 for one month for two dogs, more than doubling my premium with no notification to me that this was going to happen. On December 4th again I was charged $283 for one month and that’s when I noticed the charge and realized that I had been charged the same thing for November. I called because I was sure there was a mistake. I was told Washington state just updated their insurance information on different breeds, which is ridiculous. I asked for a refund since number one my one dog was added in May 2024 so the year quote shouldn’t have changed until 5/2025 and two I wasn’t notified. I was told Pet Partners changed my policy to have both dogs renew at the same time so they could up my premium (I did not ask them to combine the two policy’s). It was just a way to get $283 a month out of me. They would not refund me and I couldn’t afford to keep two pets on their insurance so I only kept one at $167 a month. On February 4th 2025 they charged me $175 AGAIN the policy premium price went up without any notification to me. This company is out of control violating insurance fraud. My premiums should not change monthly. I want a refund for the entire year. I have not submitted any claims and I can’t afford a company that raises my premiums without me at least getting a noticed and a chance to look into different options. It did not know that they would be more than doubled almost tripled during the Christmas season and I didn’t have an opportunity to look in advance for something different.

Easy to set up online account and order insurance. Easy to understand interface, though options to edit things are limited, such as adding the contact of secondary owner. Needed to go through the online chat customer support to add that in. Note that if your email has been registered with another previous pet, it cannot be added as a secondary owner contact.

Should have been transparent on your web site that you needed records to review. Didn’t get that bit of information till AFTER I submitted my payment information etc…

I have been a Embrace customer for a quite a few years now. It is not what I expected. My advise is if you ae looking for pet insurance do your due diligence research so you can get the best pet care. It is not the associates, but the options offered, there are so much more out there to consider.

If NO star was an option to submit with a review, I’d have done that! In big caps, DISAPPOINTED, HIGHLY! I will NEVER recommend this pet insurance to any of my friends and family for their furry kids! I bought this pet insurance for our 3 furry kids, a 10 year old Yorkie, 10 year old Siamese cat, and a 9 year old Shih Tzu. Our 10 year old Yorkie had teeth extraction, preliminary blood tests prior to the surgery and a microchip installation. My plan had the additional preventative care as well and all treatments were very clearly listed as covered! They had the requirement to have up to 12 months of medical history from the Vet! Fortunately, our furry kids are healthy and except their annual vaccinations, they hardly ever visit their Vet! Their Doc even makes fun that RIGALI-Malik kids are back for their boring annuals! This Insurance completed our Yorkie’s claim with $0 reimbursement with absolutely NO notes and a reason as to why nothing was reimbursed! I had to make numerous calls demanding an explanation! Their broken record was that we don’t have Tobias records for all 12 months and other vets! After confirming gazillion times that our kids always have had ONLY ONE vet since they became our family and that they hardly visit their vet except their annuals, WTH you want the vet to submit for every month that Tobias stopped by to say Hello in the month of January????? I have cancelled insurance for my kids and will NEVER reconsider them! They still have NOT reimbursed a dime! Stay away from them! They love to take the premiums and reimburse a big fat ZERO! Worst insurance and customer service EVER!

I purchased Fetch at the shelter where I rescued a dog. Got an email saying that I needed to get a first time check up. Pup had some allergies and a burping up of food. By figuring what she was allergic to and a few more trips to the vet Fetch only covered $90 of $ 600. I called in and thankfully the rep was honest with me a told me that pretty much everything with her stomach and allergies would always be consistent pre existing. Only reason why a two star and not one is because of the honesty . I cancelled