It’s ridiculous how they keeep increasing the policy every year.

embrace is horrible. our dog had giardia from the shelter we rescued her from 11 1/2 months ago. during that time, embrace claimed any type of upset stomach was due to her having giardia months ago and each time she had an upset stomach, they would extend giardia as a pre-existing condition 12 months (IM NOT MAKING THIS UP. IT'S INSANE). she hadn't had any stomach trouble for 11 1/2 months. she then got 2 very serious vaccines and had an upset stomach for a day (which our vet said is extremely common). embrace is telling me this is because of giardia and that they're extending the pre-existing definition of giardia another 12 months. they won't return any of my calls. i would never ever recommend them to anyone. i plan on leaving if they don't resolve this and i hope no one ever uses them. there are so many better alternatives.

I have not had any issues with a claim being denied, or a delay in reimbursement. My biggest issue with Fetch is how much my monthly rate has increased over 5 years. From when I first enrolled to the new annual premium I've just received, I am paying 78 dollars a month more and $1000 more annually. It's becoming unsustainable and I feel that I am penalized for making any claims because you get a 10% penalty for reimbursement over $250.

Embrace was good until they weren't. Never had any issues over several years of using Embrace and submitting claims. Rates went up each year but nothing wild and that's to be expected with any insurance. Then this most recent renewal my rate increased 100%. 100% increase in one year is absolutely ridiculous and that was without even having submitted a claim in over a year. Goodbye Embrace, you're just like every other insurance out there set to price gouge your customers and prey on our desires to protect and care for our pets. You should be ashamed of yourselves.

I’m extremely disappointed with the claims process. It took far too long to resolve in my opinion. They don’t tell you that the first claim can take a couple months because they don’t include any weekends or holidays in the amount of time they say they need for reviewing. The lack of communication was unacceptable. I had to take it upon myself to figure out that they needed additional information because no one reached out to inform me. There was no clear guidance, no follow-up, and no sense of urgency from their team. It felt like they didn’t care about my time or the stress the delay caused. A simple call or email would have resolved things much sooner. This experience has been frustrating, and I expected better service. I hope they improve their communication and efficiency for future customers. I am very satisfied with each customer service rep that I have encountered as they were polite and kind with each call I made.

I’m searching for new pet insurance. My dog, who has never been sick or had any claims filed, is 10 years old. His monthly premium just got increased from $86 to $188. This is beyond ridiculous.

I only had the policy for about 1-2 weeks before I had to use it. Unfortunately my dog passed. I submitted a claim for the hospital and after placing a call to check the status my claim was in the final stage of processing. My policy was cancelled and my refund for that only took about 2 days to refund, still waiting for my claim payment to come through.

Average at best. Rates increase, increase and increase for no good reason. Your typical insurance company, not much different from human healthcare. I am sure there are better ones out there, but I also know from experience there are worse ones.

What was a high premium to begin with, has doubled in 2 years. Wouldn’t have even considered it at this price. Got it when my puppy was 8 weeks old, he’s 2, so imagine how many more increases in his lifetime, won’t be able to afford it by the time he needs it!!

Two weeks since the settlement of my claims and I still DO NOT HAVE my reimbursement checks. Today is 1/14/25 and the claim was completed on December 31st. Don’t blame USPS, your. Impact (Spot) evidently doesn’t mail out the checks until more than a week after finalizing the claim because USPS would have it delivered in 2 to 3 days.