1st time using embrace so we’ll wait for the outcome. All was easy and simple as far as filling the forms that were needed. Hope all goes well, thank you Embrace.

Negative Review on Embrace Pet Insurance I’m deeply disappointed with the treatment I received from Embrace Pet Insurance agent "Nick" from TN when I first called in regarding the cancellation of my dog’s policy. After being told four different reasons from four different people after the initial call with "Nick" from TN why my pet’s insurance couldn’t be reinstated, I’m left feeling frustrated and misled. Here’s what happened: 1. Contradictory Reasons: I was told my dog’s age (over 4 years) disqualified me under California state law and insurance board regulations. Then I was told I couldn’t reinstate because I responded two days after the policy was canceled and couldn’t pay the past due amount for this month. None of this was clearly explained or consistent. 2. Misleading Information on Their App: My app showed my next payment wasn’t due until the second week of December. When I brought this up, the rep told me the app’s information is “not current” and that I need to check online for accurate details. Seriously? Why have an app if the data isn’t reliable and runs currently with the website? I advised them I have a screen shot of the statement before the app locked me out but they did not want to address that. 3. No Accountability: When I pointed out the discrepancy, there was zero accountability. Instead of addressing their shortfalls, they shifted the conversation and dodged responsibility. 4. Lack of Compassion: I explained that my email was hacked, my bank accounts compromised, and I had to reset all my payment information with my creditors. Every other company I dealt with was understanding and helped resolve the issue—except Embracer "Nick". Embrace refused to work with me, even though I was only one day late due to circumstances beyond my control due to hacking of my personal and financial information. This lack of customer care and their unwillingness to help resolve an issue caused by inaccurate information on their part is unacceptable. I would not recommend anyone, especially those with USAA, to use Embrace Pet Insurance. Their rigid policies, poor communication, and lack of empathy for customers are shocking. Save yourself the frustration and look elsewhere for pet insurance.

After one year of not using Trupanion insurance, with two healthy, young cats, our monthly premium went up by 52% with no explanation. After calling a customer service representative, they told us that they could not provide details on why this increase happened. Our cats are now 2 and 6, with no health issues, and Trupanion wants to charge $152.89. Talk about greed.

I have had Embrace on all my dogs for over a decade. Sadly, it is time to say goodbye. Two premium hikes in a row make it unacceptable at this point. A 35%, over $1200 increase this year alone, plus the steep increase from last year puts my two pets at over $4000 a year, that is what I pay for homeowners insurance and certainly have a lot more coverage than $10,000 per pet. They have covered my dogs well for the most part, always some reason not to pay a claim but all in all have been good and fair in the coverage department. I just cannot stomach the high price any longer. I can stick that 4K in an investment and roll the dice at this point. I have researched other companies, one of the dogs I can switch, because he has no pre-existing conditions where they could deny a claim. Not so much for my senior citizen, she is stuck and I will have to reduce coverage percentage and increase the deductible to the maximum and see where it ends up before I cancel. That is all I can do, but it just doesn't make monetary sense to pay for a policy that costs a quarter of what the coverage is per year. They told me I can adjust the amounts of coverage online, but that is not the case. Only way I can see the numbers is to call them and go through it, when I asked for an email of the breakdown and options/cost of different levels of coverage that seemed to be a heavy lift for them. It is no longer worth the price. I paid them way more in premiums over the lifetime than they have paid in claims. That is for sure, only help it has been is not having to make the tough decision to put a pet down because you couldn't afford the procedures needed at that particular time. Now, I will just wait and see what happens and put it on a credit card if necessary. 11/26 Reply from Embrace. Apparently, they didn't pay attention to what I had to say. I already spent the time and energy and was not provided the information I requested. What more needs to be said. I feel they just want me to go away because I have a dog that is 13 years old and now it is time for them to start paying. Even though they have collected premiums for those 13 years she is now just a high risk. I know insurance and actuarial calculations, the fees are just too much for what you get. Plain and simple. The rent is too damn high!!

Billing is more complicated than it needs to be and you need to get your claims submitted in a timely fashion or they are denied. My life is busy enough without having to add this hassle. I would much rather collect my bills for the year and submit them once. Not impressed.

Fetch is the biggest scam I have ever seen in my entire life. They repeatedly had issues with my claim even though I provided them with all of the information I had, and they even were in touch with the vet. They then accused me of hiding records for my animal so that it wouldn’t reflect on their account. I cancelled my policy immediately. Of course they refused to reimburse me for any of the visit even though some of the services were covered. A joke. Do not use them.

I have abeen a customer of Pet Best Insurance and pay $110(!)/month total for both my dog and cat. I recently submitted three claims for reimbursement. One was for an RX which was processed and reimbursed in a timely manner, and the other two which were for my dog's annual exam is still "being processed" despite the fact that it has been 10+ days since it was submitted! When attempting to reach the company via email to inquire why their was a hold-up, I discovered that there was no way to do so. The only way to communicate is via phone call. I placed said call and was put thru numerous hoops and menus to attemot to reach a human. I finally refused to push anymore numbers and thus was placed on a torturous hold with the same annoying message repeated in a loop about accessing the FAQ section online. After this, I reached a lovely customer service rep (at least this was a bright spot!) who informed me that it can take 15-45 days to process a claim!! Unfortunately, there wasn't anything she could do to expedite but siad she would submit a complaint on my behalf. Needless to say, I will cancel this horrible insurance and seek a better option that can process in a timely way in the same way that they are timely to request and receive my monthly payments!

The process of submitting a claim is simple, however when your company needs more information, they should reach out rather than terminating a claim leaving me contacting them multiple times and sending information multiple times before getting a response. Additionally, pathetic excuses have been made to avoid providing coverage.

After being told Nares surgery is usually covered by Pets Best I was very disappointed that my claim was denied! I knew Nitro had a problem with nares at my first vet visit. I had hoped it would resolve on its own but his breathing continued to get worse. I have never dealt with this problem before and was not happy my Ins. denied the claim. It affected his breathing and needed to be fixed. I felt this was a valid claim!

after first year metlife pet insurance increased 100 100% increase after first year ---- i stuck with them because first year was affordable. Now its obvious when i will need my dogs insurance most in the future it will be unaffordable for a $5500. payout yearly plan with a $250 deductlible. MetLife you are now priced out of my ballpark. ! 5