I just received an explanation of benefits for a claim I submitted to Fetch Pet Insurance. My policy has a 70% reimbursement rate and $500 deductible. Rather than counting the entire amount I spent for a recent veterinary visit toward my deductible (which is how my own health insurance works), Fetch decided to only apply 70% of the visit cost toward the deductible. So--now rather than having a $500 deductible, it seems I have a deductible of $500 x 0.7 = $714. I've had my Fetch policy for several years and do not recall the company applying this approach to calculating a deductible. Something is not right here. I've also experienced astronomical increases in my monthly premium (now $325, or about $4000 per year) for a limited amount of coverage (capped at $15,000). I believe that the tactics that Fetch uses to secure its near-five-star rating on this site are deceptive. For example, most of the comments on the review page describe interactions with specific customer service representatives. Most consumers want to give high ratings to customer service representatives because we all know those peoples' jobs depend on getting the highest ratings. using those ratings to describe the overall offerings of the company seems a bit deceptive. I've also noticed new advertising where Fetch spotlights large payouts in emergency situations and the reactions of the policy holders to those events. It is great that the policy holders had support for their pets in an emergency situation, but if Fetch paid out $11,000 for a single incident, what is the new premium that the policy holder will be charged? In my experience, use of the insurance leads to astronomical premium increases, so this approach to advertising also seems a little deceptive. My conclusion is that I would do things differently if having to select pet insurance for a new puppy. I would not select Fetch again. I would look for a company that offers unlimited coverage (rather than capping at $15,000) and does not gouge its policy holders. I would also look for a company that is posting genuine reviews of its entire performance, not just selecting comments about specific employees.

I had Nationwide for my cat and they were great from 2007 to 2024. I had the full coverage plan, which became expensive as she aged and developed lymphoma at age 15, but it was worth the cost. It helped me tremendously to cover her drugs for the therapy and the visits to the oncologist every three months. The claims process was easy and their website is easy to use. The problem came in 2025, where they dropped the full coverage in California, and limited the annual maximum coverage to $5,000 starting in 2025. This was a drastic reduction in coverage and unfortunately I could not switch to another insurance company due to pre-existing conditions. In 2025 she became ill and required a couple of hospitalizations, so that blew through the $5K within the first three months. For my next cat, I will not be insuring with Nationwide and will seek out another insurance company that has a better reputation for maintaining a full coverage plan through the life of the pet.

When checking out with the insurance policy an error appeared saying it could not be completed and to call customer service. I didn’t want to bother with that so I chose another insurance provider. Nationwide still charged me

TERRIBLE! I'm so endlessly disappointed. I have returned to Canada after a 3-year working contract in Brazil. I arrived and signed up. Sent all the medical visits we had, which were in Brazil. Now my dog has an ear infection. I applied for a reimbursement THE DAY of the exam 2 weeks ago. For 2 weeks I'm being pushed around with ZERO reimbursement saying that you need medical files from before I signed up because the ones from Brazil aren't what you need. THERE ARE NO MEDICAL EXAMS OTHER THAN THOSE! If you can't service me because apparently you have a problem with vets from a foreign country, then give me back all the months in which I wasn't covered and paid for your scam of an insurance. Absolutely awful! WORST EXPERIENCE EVER! Super bureaucratic process. Zero chance to talk to anyone. I gave one star because I can't give zero.

USAA RECOMMENDED, BUT AFTER A YEAR OF PREMIUMS, SUBMITTED FIRST CLAIM AND DISCOVERED EMBRACE PET INSURANCE SUCKS, SUCKS, SUCKS, SUCKS, SUCKS, SUCKS. REDUNANT EMAILS, REDUNANTS SUBMISSIONS OF CLAIMS, REDUNANT DENIALS. BEST ADVISE. DO NOT USE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! EMBRANCE HAS NO PROBLEMS COLLECTING AUTOMATIC PAYMENTS, BUT FAIL TO PROVIDE COVERAGE. USE NATION WIDE!

Claims are processed and paid pretty quick. Customer service is good. Three stars is because they raise the premiums greatly annually at policy renewal. Like 100% increase. The only way to lower it is to reduce benefits. Eventually, it just won't be worth having.

I was charged but never got any policy info.

they used to be good and covered all the advertised. Now they nickle and dime and are advising g a 35% rate increase. I plan to cancel soon.

The policy changed hands to another company and is terrible now. The total monthly premium costs the same amount as the deductible. And there is a very low limit for coverage annually. I’d be paying out $1400 annually for a $2500 limit of coverage. It honestly makes more sense to just put the money in a savings account every month.

The company was great initially about two years ago. Now, they are horrible. You can't speak to anyone by phone. Claim times are ridicluously long. The last one was seven weeks, but only closed when I emailed them. Even the email response was delayed. They claim in their chat, "Our claims team are working diligently on claims in the order that they are received and will follow up with an email when they're done reviewing. We do have a much smaller team processing claims. Including a high volume of claim submissions. Processing times have been delayed."