Our dog was diagnosed with widely metastatic hemangiosarcoma of the spleen. Because there was a mention of a benign lipoma of the shoulder that had not been biopsied, the claims regarding the metastatic agressive splenic malignancy, clearly not related to the stable benign shoulder mass were denied. Any one with this insurance should be aware of this policy. ANY undiagnosed "mass", any small skin cyst or a lipoma like our dog had with this company will make ANY future "mass" including any unrelated malignancy be considered a pre exiting condition. It is crazy but it is their policy. Luckily our dog had a staging CT and I am a radiologist and saw the lipoma on the images so we at least can have vets who cared for our dog and the radiologist who read the CT state clearly that the mass in question diagnosed clinically as a lipoma and not biopsied was in fact a lipoma and not at all related to the incredibly agressive splenic malignancy that led to his death. All who have or are considering to have this insurance for their pet need to be aware of this policy. Review your pets records. Read the policy closely. Any mass no matter how benign if not biopsied will lead them to deny your future claim for cancer care and you could easily not be able to prove it was not related to the reason for the claim. Beware all owners of an Embrace policy out there. I’ve edited this after seeing the embrace response. You can clearly see that they actually say that a completely unrelated “mass” that hasn’t been biopsied can be considered a preexisting condition leading to non coverage for a completely unrelated cancer in the future. Like I said, beware all policy owners and those considering this insurance.

Got Embrace for our indoor cat and had it for one year before canceling due to repeat claim denials. When we tried to submit a claim for our first vet visit while covered by Embrace we were denied because we were apparently still within a waiting period we did not know about. More recently, when we brought our cat in for xrays to diagnose a cough she had developed, our claim was again fully denied by Embrace. Embrace said they dug up a vet record from nearly two years earlier, when we brought in our cat for persistent hairballs, that included the word “cough” in the symptoms so Embrace made the executive decision to call any and all coughs from our cat a “chronic condition” that was excluded from any coverage present or future. We wasted more money than we should have on this so called insurance company that wouldn’t even discuss the idea that coughs developed two years apart could be unrelated conditions with different causes. Now they have the audacity to keep sending me spam emails asking for my business back.

I have paid into this pet insurance for a year recently. I visited the vet for the first time for a wellness check for both of my kittens. I have the complete care coverage and the preventative basic and it says no wait time and you don't have to meet a deductible for the wellness check. I paid $300 out of pocket because you have to pay out of pocket before they reimbursed you. Which if I would have known I was going to be denied both claims and had to fight them and still fight them after paying a year into the insurance I would have not put myself dead broke for the month I would have financed better....I would have never paid into this scam. only for them to fight me over. $90 on one and $70 on the other is disgusting They should be ashamed of themselves. It's a rip. So basically I'm paying out of pocket regardless and I would have paid out of pocket without paying a Year's worth of fees. So I'm actually out a s*** ton of money.

⭐ 1-Star Review – Don’t Trust Fetch Pet Insurance I’ve had my dog on a Fetch Pet Insurance plan from the very beginning, faithfully paying them for years with the belief that they cared about her well-being. Unfortunately, that couldn’t be further from the truth. When I moved, they raised my premium—not because of anything I did, but because my new zip code had a higher rate of claims. Then, as my dog got older (as all pets do), they raised it again because she was now “higher risk.” So apparently, if your dog ages or you change your address, Fetch sees it as an opportunity to charge you more. The final straw? When I finally used the insurance for a large vet bill—which is the whole reason to have it—they hit me with yet another increase, over 50%. After years of paying into this policy, they punished me for actually using it. Fetch talks a big game about caring for pets, but their business model shows otherwise. They’ll take your money, hike your rates, and offer little in return when you actually need support. It's not about pet care—it's about profit. Do yourself a favor: skip Fetch entirely and set up a savings account for vet expenses. At least then you’ll know your money is truly for your pet—not padding the bottom line of a company that doesn’t care. Avoid Fetch Pet Insurance at all costs. Update: I called to lower my monthly cost, and they refused to give me a quote in writing. Instead, they told me I had to write everything down myself—but that the new offer would be good for 24 hours. I discussed the proposed price with my husband—maybe 15 minutes max—and by the time I called back, they had already closed. I figured it was fine since I was still well within the 24-hour window. I called the next day, but unsurprisingly, the price had gone up. Granted, it was only a $6 increase, but it’s the principle. You told me the quote would hold for 24 hours, and then you went back on it. This is exactly why they avoid putting anything in writing—so they can shift the terms on you whenever they want. Yes, I get that prices change—but in under 12 hours? Come on. It’s completely unfair and honestly feels deceptive. Worst experience. I hate that I’m stuck with them just to protect my dog. Never again.

For whatever reason, it has taken an unusually long time to get this claim taken care of. As if today I still have not received my check. Contacting pets best is also quite difficult. Their system either by phone or chat does not result in valid communication. I pay them on time always, I would hope that would be reciprocated.

Policy sent via mail on some unspecified future date? I got a $23,000 credit card in 5 minutes online. A $6 dollar monthly insurance policy for a dog should be just as fast.

My dog has been to a vet exactly once for an infection on all 4 feet. I filed the claim and 70% of the vet charges were denied because MetLife classified them as ‘preventive care’ even though the ONLY reason the dog was at the vet was the infections. 3 rounds of requests/responses and now they sent an Appeal form that requires me to take more of the vet’s time to certify that it was not a wellness visit. All to have this applied toward the DEDUCTIBLE! I’m not wasting any more of my and definitely not the vet’s time. Calling tomorrow to cancel this fly-by-night crap. Save time and effort and go somewhere reputable.

I love the overall service, the insurance, but you MUST look into fixing your phone App. It does not allow you to attach a pdf doc on the claim submission process. You have to either attach a photo taken or something from your photo library. Attaching an ordinary file (which most invoices are going to be), is not an option. There are workarounds, and the website does this, but why not make this simple/easy update to your App????

Claim reviews takes several days to process and there should be a way to upgrade coverage during the current term.

This is by far the worst insurance company to ever work with. They make it virtually impossible to file a claim, their website does not allow for uploads, and they will not process claims without. The email link they send doesn't work! They are a scam and a fraud and I would cancel or not apply! All my money was wasted making them rich while I never got reimbursed except 25 dollars the first well exam. After that I've never been able to actually complete and file a claim !