Still waiting for my reimbursement for my claim. I emailed. So far no response.

I was surprised at the service I received. I have been with Nationwide for a long time with all my other pets and have never had any issues with the customer service. I spoke to Hassan and he was very short with his answers and seemed annoyed with my questions and kept on yawning like I was boring him. This was the first time I experienced anything like this from a Nationwide representative. If I were a new customer I don’t think I would have agreed to getting a policy for my pet. He was also very pushy. It was a unpleasant experience.

Embrace won't accept your claim if you wait. I held on to my receipts from the entire year to handle all at once. They won't accept my claims from earlier in the year because my policy renewed during that time. My pets were covered during that time. They received covered services. There should be no time limit to file a claim.

They are horrible. I have sent in multiple review requests and tried to email for explanations. I have had the vet send in information, but they have not responded to any of the emails. They have been happy to take my money for absolutely nothing and IGNORE ME.

I was misled around just how little would be covered without the Wellness plan, and now I'm left with almost thousands in vet expenses for my kitten that my insurance plan won't cover. To find out that the basic plan covers none of the costs of standard care and procedures associated with caring for a kitten by receiving a rejection notice for my insurance claim was fairly jarring and made the insurance plan feel pretty useless and parasitic. Yes, the details are within the policy document, but they're also buried within dense text, and they were not adequately explained to me when I was signing up for my plan.

Fetch may seem to have excellent pet insurance coverage. The issue is at renewal. Pet insurance is not regulated like human healthcare. When Fetch renews your policy they will reduce coverage based on your claim history. This is legal. They do this very quietly. Because of pre-existing exclusions, they know you have no options if your pet has been sick. It is classic bait and switch at it's core. You sign up with them and choose your coverage level. However, if you have filed just one claim, you cannot increase your coverage later, EVER. However, they can and will decrease your coverage. My advice is to avoid Fetch because while you may be okay during the first year, they will make up for it every year thereafter. It is extremely bad business to do this to customers. They will insist we have a choice. Afterall, we can cancel coverage and/or choose another company for a pet policy. However, this "choice" is meaningingless in practice, because other pet insurers have pre-existing condition exclusion, just like they do. If you switch, any conditions your pet has already had will not be covered with a new insurer. For this reason, having the policy with Fetch, becomes the lesser of two evils. That is why how they can get away with this. Those of us with dogs who have pre-existing conditions are stuck with Fetch or can choose to have no coverage at all. They know this and take advantage of it. If I knew what I know now, I would never have chosen Fetch. EVER. EDIT: Fetch responded to me stating that this is not true. It is absolutely true. After my renewal Fetch stopped covering supplements that were covered prior to renewal. For me, this is a huge deal because my pet has tummy trouble and the vet recommended many supplements that are extremely helpful for my dog but are not in the Plumb's book so they are no longer covered. However, these supplements were covered before the renewal. They also added a clause that allows them to reduce coverage or promos (which I have) on my policy if I have 50 claims or more. This is arbitrary. If I have to buy one supplement a month, that is 12 claims right there. They also reduced coverage regarding dental to basically nothing. They also added a $2000 sublimit for Pharmacy, unless you use Fetch Rx, and lastly they added more exclusions regarding pre-existing conditions about bilateral conditions. So YES, my coverage was severely reduced. Also, Fetch does not cover ANY food even if it is required for a medical condition and the vet prescribes it. So my opinion still stands. And if Fetch was able to determine who I am and find my policy and wants to add this coverage back somehow, then they also know how to reach me. I am waiting for an email or call. I am not calling them.

My elderly parents have this insurance for their dog and they were never notified (found out when they took it out of their account)when they moved less than 60 miles that their dogs insurance went up $110 a month! That is the most ridiculous thing I have ever heard of in my life. Y’all should be ashamed of yourselves.

Horrendous experience with this company. My dog got an ear infection for the first time in her life after my policy started. The entire claim was denied because Pet's Best said the condition was pre-existing before policy coverage began. HOW is that possible? She has never been to the vet for an ear infection prior to this. I have been attempting to cancel. I cannot speak to a real person and they are not responding to my emails. Horrible insurer. Do NOT recommend.

If I could give 0 stars, I would. Absolutely scam of an insurance company. They charged us for 5 months and when our pet finally needed to be taken in for UTI they denied the claim. They said we didn't have a checkup in the 12 months prior to enrolling or in the first 30 days -- which is something i told them during the onboarding because he's only 2 years old, we only had to take him in for the first year of neutering and vaccinations. If the initial checkup is a mandatory requirement for any claim in the first year to be successful then why continue taking my money? Why not mention it several times? why not remind your customer? Why not train your sales reps to emphasize this? I spoke with three sales rep during onboarding and an agent before the day of his emergency surgery and they said everything looks fine. DO NOT GO WITH FETCH, their customer service is atrocious, and their policy misleading.

Spot placed so many barriers to my first claim, I canceled in frustration: 1) calls went to an off-shore answering service that was useless; 2) the claim was commingled with an invoice among my pet’s medical history and that had to be removed by an agent of the company; and 3) the company continued to ask for medical records that were far more clinical than required. Not recommended unless you are willing to put up with confusion and processing delays.