The amount of coverage is abysmal. For a policy that costs 120/month and to only get 50 back on a 500 dollar emergency visit for a paralyzed leg is a joke

BEWARE: Fetch Pet Insurance!!

I reviewed this company last year and wanted to give an update/experience for comparison. I was paying the monthly insurance premium, submitted vet bills and received zero dollars back. Someone recommended Fetch pet insurance so I swapped over. Went to the vet submitted the claim and received the full amount back. What a huge difference. Even when Fetch said they needed additional paperwork they did the work and reached out to the vets office to get what they needed. Hope this helps anyone out there looking for pet insurance. My vets office said that Lemonade was another good one. Steer clear of MetLife pet insurance. All I did was lay money out at the vets and for the monthly premium and saw nothing in return.

I only wanted a quote.

I submitted my first claim after almost 2 years of Embrace Pet Insurance and they told me the emergency hospital. I took my dog to with a $400 bill. They don’t deal with that hospital. What the heck is that all about? I am definitely switching insurances and if you were smart, you’d read the fine print. I’m done.

Continued payment increases with excuses that costs have gone up in states, claims paid out exceed revenue brought in, and generally tone deaf customer service. No option to get exams covered either (for illnesses or injuries). Just the actual medication and any procedures. Other insurance companies are cheaper and have good ratings.

The Embrace program, benefits and costs were remarkable! Trying to get the vet notes, medical records, and claims over to the review people were terrible! No one would make it easy to get the records to them, therefore they don't have to pay any claims! The vet emailed, faxed, and called but Embrace said they have no records that any of that occurred. I emailed twice and called 3 times and they said they didn't have records of those either. Finally talked with the salesperson that had us email her directly and she took care of the problem. The email addresses and fax numbers were correct and she couldn't figure out why the computer wouldn't accept the previous attempts. I quit Embrace after that! I do not recommend this company! It took one month and a lot of hassel to resolve this issue.

Save yourself the trouble and don't sign up for this. This was pushed on us at the SPCA. They convinced us it would be a good idea for a new pet. Our premium is around $24 but we were charged $39 and I'm not sure why. The website offers no information on the details of the payment. It also offers no information about how to cancel your coverage. The "AI" help might as well be help files because you can't ask a question, you just follow canned prompts which do not cover everything. They state that our yearly expense is around $214. Not sure what kind of math they are doing, but $24 x 12 is $288. Add the fact that the deductible is $400 and it only pays 80% after that, and the chances that this will save us money are slim at best. I don't know that all pet insurance is a waste of money but this one certainly is

Starting the process was easy however I kept receiving an error message in the diagnosis section. I was trying to write what was on the paperwork I receive from the vet.

Disappointed