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Disgusted doesn't even begin to cover it PT2.
Because I can’t reply to your response, @Embrace, I’d like to set the record straight for anyone following this issue. The acquisition of Embrace in late 2023 by private equity firm JAB Holdings, who now owns more than 10 pet insurance brands, should not be ignored. According to JAB’s 2024 Annual Report, their strategy is focused on using acquisitions to drive revenue growth, and they explicitly highlight “above-industry growth” in pet insurance, attributed to “partnership activations,” “premium increases,” and new business writings after consolidation. So while you keep telling me my 200%+ rate jump is due to “normal aging and inflation,” your parent company openly reports that profit growth comes from raising premiums after rolling up multiple pet insurance companies. JAB’s own report states that their North American pet insurance platform, Independence Pet Holdings (which includes Embrace), posted “core brands GWP [gross written premium] up +30.7% vs. last year” and touts “rate optimization initiatives” as a main driver of that growth, not just rising vet costs. Just here on Trustpilot, at least four of the brands that have been bought out by JAB Holding Company have received garbage ratings from consumers, with the most of them centered around astronomical rate hikes, frequent claim denials, and sudden policy cancellations without no notice. Does that sound familiar? It’s disingenuous to blame these rate hikes solely on my dog’s age or veterinary inflation when the real catalyst is a private equity group, now holding a billion-dollar portfolio in pet insurance AND veterinary services, seeking returns through aggressive price hikes after acquiring trusted consumer brands. These financial maneuvers are spelled out in "JAB Holding company’s Annual Report 2024" explaining their investor filings for anyone who cares to look. If you’re going to triple premiums, at least be honest about the reasons: it’s not just about our pets getting older, it’s about your shareholders’ profit targets.
Insurer: Embrace
By: Brian D.
Excellent Insurance For Your Pet
I had the pleasure to work with McKayla with ordering a prescription for my dog. She made it very easy and had everything taken care of within minutes. I then worked with Meagan in the insurance department for getting invoices sent to me and that went off without a hitch as well. I would recommend Fetch insurance to anyone looking to insure a pet. Fetch is doing everything they said they would and the people behind the scenes are very professional and courteous.
Insurer: Fetch
By: Paul
Great pet insurance and easy to use
I love how clearcut it is to be able to file a claim, upload my receipts, and receive the money back. All within a timely fashion.
Insurer: Spot
By: Cristina Arecco
diagnosis list confusion
My issue is the fact that the diagnosis my dog is being treated for, osteosarcoma, is not included in your diagnosis list. other than that you folks are great.
Insurer: Embrace
By: JOANNE LARSEN
Embrace Pet Insurance through USAA
Having Embrace Pet Insurance through USAA has really made a difference in taking care of my little fur babies. I wish I could have had this insurance much sooner for my past pets.
Insurer: Embrace
By: Connie Frederick Garcia
Bark up another tree. Stay away!
This company USED to be a decent company. NOW, it does not respond to emailsm nor calls. No one even answers the phone. We had over $1200.00 in claims and NOT ONE of them are eligible to be paid or for three months they are still "pending". What the negative reviews are stating IS TRUE!! DO NOT sign with this company. I am cancelling today!!! So tired of waiting to hear about "pending" claims though we and the animal hospital have submitted everything that was requested. BYE
Insurer: Embrace
By: P A F
Excellent customer service and a quick…
Excellent customer service and a quick response to our submitted claims. Thank you again, Bernice Feaster Jazzie's Mom
Insurer: Trupanion
By: Bernice Feaster
Great Experience
They answer my question rather quickly. No long hold times on calls. Knowledgeable Customer Service Very friendly I think the cost is very reasonable
Insurer: Fetch
By: Annmarie Virzi
Emergency vet visit
We had to take our dog to the vet for a copperhead bite after hours at an emergency vet. Costs was around 1600 total for emergency vet and follow-up vet and we got about 1200 back. That reimbursement just proved yet again why pet insurance is so important to us. Gladly would suggest Pumpkin to any pet owner.
Insurer: Pumpkin
By: Kaitlyn Propati