Zero communication during the claim process. Good luck if ther is an issue because they will give you the run around. I have provided the medical records multiple times in the same email thread and seperate medical records email that is on their site.Reconds that were already confirmed there now they can not locate. This has been going on for a month+. Once sending another email you do not get any communication unless you call and it always feels like starting from zero with the rep. I would give them lower rating if I could. After my policy is up I plan on looking elsewhere.

They claimed that my pet's condition was pre-existing when it absolutely was not, then didn't give me a space to fight it. Also the "preventative care" is an absolute joke, the reimbursement amounts for preventative are so small, even smaller than the monthly bill depending on which plan you're on. Avoid this pet insurance at all costs, I feel taken advantage of and I'm writing this to hopefully help someone else not make the same mistake I made by going with this company.

My dog has a problem expressing her anal glands. We've been to the vet multiple times and will continue to do so on a regular basis. The Vet wrote a letter explaining that my dog has a medical condition and that this is NOT a cosmetic, elective procedure. Even after submitting that letter to MetLife, you continued to deny my claims.

Up loading of info is very slow. Monthly payments and deductible is too expensive. There should be a discount if we have more than one pet under embrace. Seems like an upgrade to claims process is in order.

Turned my dog down for insurance. Didnt even have the class to see if all of the cancer is removed tomorrow. Just saw cancer and stamped DENY

The website did not work correctly. I got as far as inputting my payment details, but clicking on the submit button didn't seem to do anything. I clicked it several times and I hope it doesn't process that many times. A modal popped up for a split second and then went away, and I was still on the payment entry screen with the submit button still active. I assumed it wasn't working but then I got an email seemingly confirming my submission went through? But I didn't get any confirmation when actually entering payment details so I'm not 100% sure. Overall, this has been a kind of tedious and frustrating process.

Easy and efficient.

Be careful with Fetch. There is an excess on every condition your pet has that you claim for, meaning you don’t get any rebate until after you have exceeded the excess. In my case it was $200. They also took 2 weeks to even process my first claim and tell me that they approved it but wouldn’t pay me anything as it was under the excess amount. This sort of insurance is only good for really expensive visits like a costly emergency surgery, and even then you need to have the highest covers to get any decent sort of benefit. Other providers have much better coverage and service without the excess.

Your initial evaluation of my claim was inaccurate and poorly done. We had to request a second evaluation of our claim in order for you to pay us half of what we are due.

Be careful sending money to this company!! They are not honest about Rx prescriptions as many states have ruled online prescriptions illegal!! Such as Montana,but this company does not inform you if your state allows it so your pet could suffer!!