Your company has tried to not refund to the customer with all excuses, I have paid from 11/24 to May/25 and I only took once for my pet routine check up before the expired the insurance 5/18/25 and I sent all the informations you told me by mail because I cannot handle computer. You are so bad with no integrity in running business. So disappointed.

I believe the turnaround time for reviewing a claim is fast. However, the reimbursement isn't that great. I'm considering just putting my money into a savings account. Seems much better. I pay over $175 a month in 12 months that is roughly $2,100.00 a year. My recent vet bill was $435 for his senior wellness exam. I was only reimbursed $175. Doesn't pay my credit card down at all. That's why I think it would be better for me to just put my monthly payment into a savings account. Then use that money to pay my vet bill. That will keep my credit card bill down.

I have not received my refund for Swopie as today date. It another second check for my initial refund on Smokie. I would appreciate if I could receive a call from an American Rep not from the outsourcing of calls to another country. Thank you

Claims take way too long to be reviewed and God forbid if they need further documentation because then they won't look at for another 2 weeks. I also dislike that when I make a separate claim for one pet and then a separate claim for the second pet the same day then somehow they get combined and it's a mess. And if I make a different claim the next day, somehow it gets thrown on to a previous claim. I also don't appreciate how when a claim is finally completed it appears MetLife has the option to go back and change the determination and seemly erase it had previously been completed and approved. This happened to me where a claim was used towards my deductible and I therefore had met the deductible and so the next claim I got a small payment. Well, several weeks later now someone went back to that claim and denied the claim so those charges no longer went towaeds my deductible, which I can't believe an adjuster would actually have the time to review previous completed claims when they take FOREVER to work the ones that need to be completed. Maybe that's the problem IDK. Also, the App is a nightmare. Constantly having to get an authentication code by email. EVERY single time. Can't use the code by text option because I never receive a code, not that a text vs.email code makes that much difference. But the app has a 'Remember Me' click box...and it's worthless. Normally that function would mean you want the technology to remember you and your phone so you don't have to continue to get authentication codes. Doesn't happen. There are so many issues I've experienced I can't write them all here. One good thing though is that most of the representatives are nice and pleasant, although they do give incorrect information and timelines and excuses. And they cannot contact anyone about your claim, they are very limited as what they can tell you and help you with Only had one or two who were not as friendly.

I signed up for the wellness plan. First year claim smooth and uncomplicated. First vet to indicate she had a loose knee so Fetch upped our premium the following update. This wellness check at vet no mention of knee problem. The vet's office puts the exam in with two of the vaccinations for a total of $149. Fetch did not pay the exam fee. I contacted them, the vet's office contacted them and still no reimbursement for the exam. My next renewal would have gone up by another $12/month. I paid $144 over the year to get $50 back on visit. I have since cancelled the wellness plan and will not be adding it back.

claim related to Wellness check up after adopting pet rejected without any reason and stating insurance policy expired where as i just purchased the policy. i have wellness add on with the policy.

Typical insurance company..con people!!!

Just new to it, how am i gonna give it a review? I guess the online enrollment is clear and easy to understand, price it little higher compared apples to apples. I haven't used it and hoping not to use it but just for little wellness stuff.

I was set up for automatic payment on our two pets along with paperless notification. My payment method (credit card) had to be closed for fraud and I did not remember it was being used for the monthly payments. I have never missed a payment. AND I never received an email notification or text from Nationwide saying to pay or your policy will lapse!!! No one to talk to or do anything about this. All I could do was get a new policy which obviously puts my pets at risk after being covered for SO LONG with Nationwide. I’m pissed. So now anything that was found with my dogs during the previous coverage is no longer covered because it’s considered a pre-existing condition?? I hate your company…..

I’ve had Embrace Pet Insurance since 2022, paying monthly with the expectation of peace of mind if my pet ever needed care. Unfortunately, when I finally needed to file my first claim, it was denied—despite having active coverage for over two years. To make matters worse, my monthly premium nearly doubled recently, and the only explanation I received was that it “reflects rising veterinary costs.” Meanwhile, I received no added benefits or improvements in coverage. It’s incredibly frustrating to be a loyal, paying customer for years only to be denied support the first time I actually need it. Pet insurance is supposed to provide security and reduce financial stress, not add to it. Based on my experience, I cannot recommend Embrace. If you're looking for an insurer that actually supports you when it matters, I’d suggest looking elsewhere.