Not happy that I had to call to discuss cancelation and then my last claim was re-reviewed and just like that I get paid for services that were "missed". If I can't trust the review process to find reimbursable procedures then why do I have this insurance?

We signed up for pet insurance through Fetch for our dog, Nandi. On June 16, 2023 we agreed to pay $46.13 per month, based on his health, age, and the coverage we needed. Then on April 16, 2024, we received a promotional email from Fetch asking if we would like to extend our coverage to include wellness care for Nandi. We chose NOT enroll in the additional coverage being offered, however on that same day Fetch began charging us $83.03 for our monthly premium instead of our agreed upon $46.13. When we approached Fetch to inquire about these fraudulent charges and to subsequently cancel our plan, their only priority was that they wanted us to continue our plan, and repeatedly refused to acknowledge or refund the fraudulent charges. Out of the $498.12 we paid during those 6 months of inflated premiums, they owe us $221.34 in fraudulent charges which they refuse to send us.

Denied all claims ranging from eye infection to stomach blockage, we were "insured" with embrace and still had to pay over $5000 in vet costs. Paid over a $1000 on premiums for basic coverage on our two cats from our local shelter. They were 10months old and had medical documentation from before. All was submitted. Ripoff company, they dont care about your animals. Edit- since posting they have now processed my over year old claims with less than a 50% reimbursement. You need to fight them to do half their job i guess.

My claim was denied based on your diagnosis not the vets diagnosis. I callled you on it and you said you paid a partial claim, which I have not received but did not reply to my request for the full refund.

This company doubled my premiums from $90/mo to $190 for my two YOUNG healthy dogs in one year. I have never submitted a claim. One dog is NOW 3.... was just 2 when the premium was doubled, and the other is 5. They are Tibetan Spaniels who are not prone to health problems. No actuary table would show this as a legitimate cost increase, and I got better coverage for $91/mo elsewhere.

Terrible and now they are getting rid of there insurance and is offing us ODIE pet insurance and premium s doubled and less benefits.

If I could give this a zero star review, I would. Have been with Embrace for @ 12 years and never have I had an issue with them. I was told, (not documented by Embrace) that my renewal premium would be @ $985. What to my surprise and wondering eyes did I see but a charge to my credit card of $1449.00! I never received their renewal quote, nor was the renewal premium what I was told. But they have you over a barrel since my pup has a pre-exisiting condition which would not be covered by other plans. So I either don't have him treated for a year and let him suffer (would never do that) or pay all the expenses out of pocket OR renew with Embrace which I was forced to do.

Done with this company. Bait and switch as usual.

The problem with this company is they wait until you file a claim to tell you what they will and will not cover. Some of the things they will not cover, based on their initial review, are things you would never expect them not to cover. They said they would pay less than 25% of my first filed claim. I say it that way because they have claimed they initiated a payment. I have not received a payment. I have also not received a response to my inquiry about the payment, and this was almost two weeks ago. Like most insurance companies, this one will find ways to avoid payment after months of collecting money from the working class. The whole point of this plan was to HELP. It has cost me more money than if I had just paid my bill out of pocket. Stay away,

They asked for me to contact them further to my review but nothing changed. It is like talking to a wall.