The amount of claims they pay adds up to less than 10% of the premium you pay each year. So why would anyone pay them all this money to still cover 90% of their own expenses and what have $600+ a year burning a hole in their pocket?

I applied for pet insurance and still have not heard back regarding my review for approval. However, you have already taken the money out of my account. I had to call to find out that my dog was approved for the policy; however, the policy did not meet my needs. As a result, I have canceled my policy. I'm extremely disappointed in Nationwide services.

I have been with Fetch for 5 plus years. all was going well until i had to renew last year. They increased my plan from $450 /year to $850 /year. i was okay with that since i had used their services the year before. But this year they increased the deductible from $300 to $1000 and only 50% reimbursement for $450. per year. I asked to keep my old plan and that was not an option for me. They were not willing to customize the plan or bend on any request. I either accepted the new plan or term the insurance coverage which i did and was quoted with another vendor for the plan i requested. I am very upset with Fetch and would not recommend them to any one.

This company find anyway not to pay claims please do your research. And they do not have the best customer service and call back

I write this review one day after leaving a positive review for Alicia. I have been a customer since 2020 and submitted my first claim ever within the last week for my dog. Vet records going back to 2020 place a "note" on his chart 2 days before his waiting period ended that now led to a denial of the claim. Had I not sent the records from 2020 (which I barely remembered existed), would the claim have been approved in its absence? 2020 was a crazy time period for people and I got my dog in to see the vet when I could. To now see that for my first claim (mind you it's >$1,000) it is denied, it all feels very nitpicky for a time period where rules sort of went out the window with a focus on health and wellbeing. But not for Fetch. To me, this is not why I pay for Fetch and ultimately is the reason I just ended my policy. Also, rate increases have been unruly and to pay for another year of coverage when things would likely be noted as "preexisting" anyways, I might as well pay for the work my dog needs out of pocket and then he will have a clean bill of health with respect to that part of his body and another insurance company will not mark it as a preexisting condition like Fetch did. Such a shame and unkind business practice. (This was for mid-January 2025). To reply to the response from Fetch, one of my main frustrations is that I provided additional medical records after you all requested them. These records were from early 2020, and while on the phone with your representative, she told me clearly that many customers did not have records from that timeframe because of Covid and that it was acceptable if those records were unavailable. Rather than be lazy, I found the records and sent them to you all and they ended up aligning with the waiting period. If I had, like other customers likely did, provided no records for the Covid timeframe in 2020, it sounds like my claim would not have had standing to be denied. That’s my frustration. I went above and beyond to care for my pet, during a health crisis, and to provide those records to you all, and that’s now the basis for the denial.

Despite the opinions of a team of internists and renal specialists, Embrace declined coverage for kidney failure in our two-year old cat, stating her condition was pre-existing. We had to euthanize her having already spent more than $5000 for her treatment. I am a veterinarian myself and cannot recommend Embrace. Put your money into a high-yield savings account or other emergency fund instead.

Please research carefully before selecting this company. I don't object to their nonpayment of claims. They appear to select any reason to not pay a claim. Not only did I have to endure the trauma of burying her, here are two distressing excerpts from their response to my euthanazia claim. 'This condition and any related conditions or clinical signs would be eligible for coverage in the future provided your pet remains free of signs/symptoms/treatment for a full 12 months from the most recent occurrence'. 'As such, these and any future masses (including cancer) would be excluded from coverage by the policy.'

We had embrace for years. We moved cities and they changed our premium by over $200. We have been previously approved for Physical Therapy for our dog with hip problems and they have now changed the policy so that you have to be in a building with a vet. They have done everything in their power to remove benefits, refuse claims and continue to increase the prices.

We had a policy on our dog for about 5 years. It seems like they covered nothing except for a mass and the euthanasia - but that didn't even meet the deductible, so we received nothing. 5 years and several thousand dollars later. I suppose we were lucky that our fur baby only went in for annual visits until the very end when we had a few extra visits. They never covered any arthritis issues b/c somewhere in the notes, the vet mentioned his rear leg was stiff.

Terrible, pushing me out by raising my premium $110 per quarter and lowering my reimbursement rate. Because I made a claim, I have been with them for 7 years, my dog is 8 years old. I love my dog. but i am retired. They could not care less. Very hard to deal with. Money Money Money. Disgusting.