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Awful if you ever plan on needing to switch companies
I had a policy with fetch for a year. I wanted to switch my dog over to another company with better coverage as I wanted better benefits for what I was paying for that fetch did not offer and what my dog needed more as I have had her for a full year. The first call I made to cancel her policy the woman I spoke with rambled on for about a half hour about how my dogs surgery (her spay which had complications due to her almost being in heat at the time of surgery but not due to a blood disorder or any other condition) and her 1 ear inflection would possibly be considered pre existing conditions to the company I switch to for allergies, which i completely understand except she has never been treated for ongoing allergies or had more than 1 ear inflection from playing in water, She then had convinced me it would be better to defer the payment of my upcoming payment while I think about it and that my card would not be charged. A day later, when the monthly payment was due, my card was charged. My dog already had a new policy so I called again to officially cancel and for a refund as my card was not supposed to be charged until November 16th,2024 and I had planned on calling again to cancel before this date as I would not be using the fetch policy any longer. The woman who I spoke with the second time was helpful in that she canceled my policy without giving me pushback about canceling it but said she did see a payment hold on my account but could not confirm why my card was charged. She claims she processed my refund but there is no refund on my card, she did not state how long refunds take to reflect on a credit card statement, but it has been 3 days since she supposedly initiated the refund, I will probably wait a week or so before disputing it with my credit card company as I really do not want to call them again if I cannot confirm they are actually doing what they say they are doing. I would not recommend fetch if you ever plan on needing to switch companies at any point, it was great when my dog was a puppy but now that she is over a year and I wanted something with more benefits that she would benefit from such as ill and well exam fee coverage and thinking about the future, end of life care, that fetch does not offer for only a little bit more with higher reimbursement rates and the same deductible and fetch just made this process a little bit more difficult than it needed to be.
Insurer: Fetch
By: EK
Awful if you ever plan on needing to switch companies
I had a policy with fetch for a year. I wanted to switch my dog over to another company with better coverage as I wanted better benefits for what I was paying for that fetch did not offer and what my dog needed more as I have had her for a full year. The first call I made to cancel her policy the woman I spoke with rambled on for about a half hour about how my dogs surgery (her spay which had complications due to her almost being in heat at the time of surgery but not due to a blood disorder or any other condition) and her 1 ear inflection would possibly be considered pre existing conditions to the company I switch to for allergies, which i completely understand except she has never been treated for ongoing allergies or had more than 1 ear inflection from playing in water, She then had convinced me it would be better to defer the payment of my upcoming payment while I think about it and that my card would not be charged. A day later, when the monthly payment was due, my card was charged. My dog already had a new policy so I called again to officially cancel and for a refund as my card was not supposed to be charged until November 16th,2024 and I had planned on calling again to cancel before this date as I would not be using the fetch policy any longer. The woman who I spoke with the second time was helpful in that she canceled my policy without giving me pushback about canceling it but said she did see a payment hold on my account but could not confirm why my card was charged. She claims she processed my refund but there is no refund on my card, she did not state how long refunds take to reflect on a credit card statement, but it has been 3 days since she supposedly initiated the refund, I will probably wait a week or so before disputing it with my credit card company as I really do not want to call them again if I cannot confirm they are actually doing what they say they are doing. I would not recommend fetch if you ever plan on needing to switch companies at any point, it was great when my dog was a puppy but now that she is over a year and I wanted something with more benefits that she would benefit from such as ill and well exam fee coverage and thinking about the future, end of life care, that fetch does not offer for only a little bit more with higher reimbursement rates and the same deductible and fetch just made this process a little bit more difficult than it needed to be.
Insurer: Fetch
By: EK
Awful if you ever plan on needing to switch companies
I had a policy with fetch for a year. I wanted to switch my dog over to another company with better coverage as I wanted better benefits for what I was paying for that fetch did not offer and what my dog needed more as I have had her for a full year. The first call I made to cancel her policy the woman I spoke with rambled on for about a half hour about how my dogs surgery (her spay which had complications due to her almost being in heat at the time of surgery but not due to a blood disorder or any other condition) and her 1 ear inflection would possibly be considered pre existing conditions to the company I switch to for allergies, which i completely understand except she has never been treated for ongoing allergies or had more than 1 ear inflection from playing in water, She then had convinced me it would be better to defer the payment of my upcoming payment while I think about it and that my card would not be charged. A day later, when the monthly payment was due, my card was charged. My dog already had a new policy so I called again to officially cancel and for a refund as my card was not supposed to be charged until November 16th,2024 and I had planned on calling again to cancel before this date as I would not be using the fetch policy any longer. The woman who I spoke with the second time was helpful in that she canceled my policy without giving me pushback about canceling it but said she did see a payment hold on my account but could not confirm why my card was charged. She claims she processed my refund but there is no refund on my card, she did not state how long refunds take to reflect on a credit card statement, but it has been 3 days since she supposedly initiated the refund, I will probably wait a week or so before disputing it with my credit card company as I really do not want to call them again if I cannot confirm they are actually doing what they say they are doing. I would not recommend fetch if you ever plan on needing to switch companies at any point, it was great when my dog was a puppy but now that she is over a year and I wanted something with more benefits that she would benefit from such as ill and well exam fee coverage and thinking about the future, end of life care, that fetch does not offer for only a little bit more with higher reimbursement rates and the same deductible and fetch just made this process a little bit more difficult than it needed to be.
Insurer: Fetch
By: EK
Awful if you ever plan on needing to switch companies
I had a policy with fetch for a year. I wanted to switch my dog over to another company with better coverage as I wanted better benefits for what I was paying for that fetch did not offer and what my dog needed more as I have had her for a full year. The first call I made to cancel her policy the woman I spoke with rambled on for about a half hour about how my dogs surgery (her spay which had complications due to her almost being in heat at the time of surgery but not due to a blood disorder or any other condition) and her 1 ear inflection would possibly be considered pre existing conditions to the company I switch to for allergies, which i completely understand except she has never been treated for ongoing allergies or had more than 1 ear inflection from playing in water, She then had convinced me it would be better to defer the payment of my upcoming payment while I think about it and that my card would not be charged. A day later, when the monthly payment was due, my card was charged. My dog already had a new policy so I called again to officially cancel and for a refund as my card was not supposed to be charged until November 16th,2024 and I had planned on calling again to cancel before this date as I would not be using the fetch policy any longer. The woman who I spoke with the second time was helpful in that she canceled my policy without giving me pushback about canceling it but said she did see a payment hold on my account but could not confirm why my card was charged. She claims she processed my refund but there is no refund on my card, she did not state how long refunds take to reflect on a credit card statement, but it has been 3 days since she supposedly initiated the refund, I will probably wait a week or so before disputing it with my credit card company as I really do not want to call them again if I cannot confirm they are actually doing what they say they are doing. I would not recommend fetch if you ever plan on needing to switch companies at any point, it was great when my dog was a puppy but now that she is over a year and I wanted something with more benefits that she would benefit from such as ill and well exam fee coverage and thinking about the future, end of life care, that fetch does not offer for only a little bit more with higher reimbursement rates and the same deductible and fetch just made this process a little bit more difficult than it needed to be.
Insurer: Fetch
By: EK
Hospital visit coverage
Dealing with your pups illness in vet hospitals is so stressful and takes quite a bit of time. I haven’t had to use the insurance in the past so I wasn’t sure what would be covered and what support I would be given. I am so appreciative for this Insurance, it truly was helpful and supporting us through this difficult time. The claim process was unbelievably easy and receiving coverage was great. I had the hospital email receipts to me so saving and sending made submitting docs easy. Thank you Embrace!
Insurer: Embrace
By: Brenda Conrad
Good Pet Insurance but EXPENSIVE!
Rep explained why insurance has gone up so much this year (($88.00/mo). I love Embrace insurance but it is expensive. I have had it for my dog since he was a puppy (9 years ago) and the price increases have been crazy! From Around $60 a month to now $219.00 a month. I ended up raising my deductible which is, I’m sure, what they want. It has been a great policy since my dog had some issues in the past and it is easy to submit claims and get paid.
Insurer: Embrace
By: Debra Monaghan
Hassle free coverage that is clutch!!
My Shih Tzu had last second dental surgery and I scheduled it to get on the hospital's calendar. Embrace made sure I didn't worry, explained my coverages, and made filing a claim hassle free through their app. 2 days last inwas reimbursed and all is well. Their staff was knowledgeable, patient, and very professional.
Insurer: Embrace
By: Alexis
First off let me start by saying I…
First off let me start by saying I wished I reviewed the reviews before selecting Embrace. That is totally my mistake and should have known better. After reading REAL reviews, this company takes your money with promising coverage and then manipulates the waiting period calling accidents like your dog eating a foreign object as an illness just like some of the other reviewers stated and then ask for all this other paperwork to see if they can then say it is a preexisting condition. Again, I highly recommend reading real reviews not people who just use their services for shots etc. the last closing thought I guess is insurance is their to make profit not cover you (pet). Please check other pet insurance companies before settling for this company.
Insurer: Embrace
By: Dave Cranston
Open an account just for your pet’s bill.
It’s been 2 months… our Vets office still hadn’t heard from Embrace! I did everything I was required to do. I’d also was about to pay for my 5th payment…so I decided to cancel my insurance. Yesterday, I finally get an email wanting info on my claim…I’m done. No thanks…now I am putting money in an account just for my pets, every month. Open your own accounts! This was a $500 mistake!
Insurer: Embrace
By: Donna In Texas
My recent monthly payment didn’t go through
My recent monthly payment didn’t process because my account didn’t have sufficient credit to process the total amount and when I called and was able to work out an acceptable payment process in a short time.
Insurer: Embrace
By: John