Don’t get this insurance. Fine if you have a puppy, but if you use it or your dog happens to get older, they will make it so unaffordable that you will be forced to cancel. And then you will have a dog who will have a preexisting condition so that you can’t get other insurance.

I added my work for a discount but it did not add to the plan

What a price increase on a 3 year old dog. Almost 50%!!!!! I recommended them to a friend for their puppy and their renewal was up the same amount when he turned one. I don't even know how it's legal to increase that much. Used to love this company.

I have paid more than $1,000 in premiums for my two dogs in less than a year. Last week I submitted a claim for one dog who had an upset stomach, which resulted in vomiting and diarrhea. They denied my claim, which would have only gone against my annual deductible. The reason is that my dog had an upset stomach and vomited 10 months ago per vet records they collected. I didn't even submitted a claim for that vomiting. This company is a grift. They don't understand that they are in the business of covering dogs, who sometimes eat a street treat off the ground.

Horrendous customer service

Embrace was hard to deal with 4 years ago when I signed up. Lots of issue with them not getting my dogs vet records and then I find out months later I wasn't covered due to them, they never notified me of this either. Now 4 years later and I don't think I had any claims with 3 dogs insured my rates went up almost 60%. Found a new company promptly

SAVE YOUR TIME & MONEY!!! It was hard enough loosing my dog after 14 years. They denied my claim after paying them over 800.00, saying that my dogs liver enzymes were high. Yes the vet before said they were a little high due to his weight and age but nothing to worry about. My dog passed because of a mass in his stomach that was attached to his liver. NOT BECAUSE OF HIS LIVER as they say. I try to call the number given to contact the company for any further questions, busy signal is all I get. Save your money and just pay the vet. They will find any reason to deny your claim.

I have 2 Labradors insured by Fetch since they were puppies. They were evaluated for hip & joint problems by vet per requested by Fetch to wave a 1 year waiting period on hip problems. They have had their checkups with the same vet practice & are in excellent health. The have increased my annual premiums by double over the last 3 years for my one dog who is now 8 & the other dog who is 6 I just got her renewal & they have almost doubled that. They offer a lower premium by suggesting you lower your annual payout & increase your deductible which amounts to $10 to $12 a month. I did this with the older of the 2 when he 6 years old & the next year they increased my premium back higher again. I contacted Fetch today & offered the same solution which I refused . They are saying it’s the breed & age but I have contacted another person who I recommended Fetch too & the same reason is being given to her for the increase in her premiums. Her dog is a small breed mixed breed part Papion . She has never filed a claim & has had her policy less than mine . Fetch is increasing our policies for other dogs health problems. I do not mind & expect increases in premiums but not at the amounts they are inflicting on their insured. I wonder if they are trying to price you out so you can no longer afford your policy after they have collected premiums for years with no serious claims or any claims at all.

Petco insurance is canceling our policy and telling us to obtain a new policy with nationwide, which makes me think they are affiliated with them, well nationwide is telling me that they will not cover pre-existing conditions however Petco is transferring his over to that company with no other options, we have been with Petco for over 4 years and it is not right nor I believe legal to force us to be canceled and go to a company That's affiliated with them and have us start from scratch again. We got insurance in the beginning so we would not have to go through these situations. Nationwide was not very helpful at all, also they want two months up front for a payment that's absurd.

Very little has been paid for from any of my claims. Not sure where the monthly funds are going, I may cancel it if they do not cover any of my latest claim.