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I spoke with Lora today
I spoke with Lora today. She was extremely helpful answering all my questions! Lora was very polite, patient and cares about the customer!! She deserves more than a 5 - star review!!
Insurer: Fetch
By: Kathy Hetfield
Great Company
Great Company, very prompt in paying claims and making it not such a headache to get through. Thank you so much.
Insurer: Embrace
By: Patti
Easy to read details.
Easy to read details.
Insurer: Trupanion
By: customer
“Embrace Insurance: Fails to Step Up and Make Things Right”
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.
Insurer: Embrace
By: William Bush
Time to say Good Bye
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!!
Insurer: Embrace
By: Woodmeister
Not very transparent.
Price is competitive against other quotes I shopped for. Wellness plan seems like a great deal. Ultimately I didn't purchase. I asked Embrace to review/advise if a particular matter would be deemed pre-existing or not, I also provided up to date medical records from my Vet to support the request. Their stance was they would not review medical records to advise on coverage until after I buy and wait for the 14 day waiting period. I get that things can come up between date of purchase and day 14, but my question was just as of today can you tell me if "X" would be considered pre-existing, based on the current records.
Insurer: Embrace
By: dc
Warning
Warning, do not get this insurance for your pet. My pets policy went up from $65 monthly to $179 monthly from 2024 to 2025. I have been a customer for 9 years and have referred many people. I will no longer keep a policy with this company or recommend it after this experience. I’m deeply saddened by this price gouging. Disappointed Vet Tech
Insurer: Fetch
By: Tia Gilkerson
Warning
Warning, do not get this insurance for your pet. My pets policy went up from $65 monthly to $179 monthly from 2024 to 2025. I have been a customer for 9 years and have referred many people. I will no longer keep a policy with this company or recommend it after this experience. I’m deeply saddened by this price gouging. Disappointed Vet Tech
Insurer: Fetch
By: Tia Gilkerson
Warning
Warning, do not get this insurance for your pet. My pets policy went up from $65 monthly to $179 monthly from 2024 to 2025. I have been a customer for 9 years and have referred many people. I will no longer keep a policy with this company or recommend it after this experience. I’m deeply saddened by this price gouging. Disappointed Vet Tech
Insurer: Fetch
By: Tia Gilkerson
Warning
Warning, do not get this insurance for your pet. My pets policy went up from $65 monthly to $179 monthly from 2024 to 2025. I have been a customer for 9 years and have referred many people. I will no longer keep a policy with this company or recommend it after this experience. I’m deeply saddened by this price gouging. Disappointed Vet Tech
Insurer: Fetch
By: Tia Gilkerson