I loved nationwide when I first got it in 2020, over the years not so much. Their plans changed and I feel like I should’ve been grandfathered with the plan I had. I regret renewing both of my policies. I should’ve shopped around. I will not be renewing next year.

My claim was denied on the removal of an undescended testicle in a dog. I appealed and was informed that I would need additional coverage to the ever escalating premiums that I already pay. This was not a neuter, but a necessary procedure done to prevent cancer, which is a risk with undescended testicles. AKC pet insurance is overpriced and has many add on with coverage, not a basic wellness coverage and/or illness/accident coverage. I would not recommend and will be cancelling the policy.

Making leave a review gets a bad review

The submission requires a diagnosis and seemingly obvious cases, such as a dog encountering a porcupine, are missing.

I've submitted a few claims for different issues over the past 5 years and every claim has been denied. The latest claim was for dental work and their reason for denying the claim was that he didn't have a dental exam in the year prior to enrolling so they determine it to be a pre-existing condition. I enrolled him with Trupanion as a puppy when we picked him up, so it's impossible for him to have had a dental exam in the year prior to enrolling. This "insurance" is a complete scam.

I’ve been paying $90 a month expecting peace of mind for my pet’s health. Instead, I’ve received nothing but frustration. Not a single one of my claims has been approved – not even the most basic or clearly eligible expenses. Every time I submit a claim, it feels like they find some excuse to deny it. Their customer service is slow, unhelpful, and seems more interested in avoiding payouts than actually supporting pet owners. What’s the point of insurance if it never actually covers anything? I feel completely scammed. This company has taken thousands from me and given absolutely nothing in return. Save your money and avoid this company at all costs.

Buyer Beware: You will not be able to increase your "Maximum Annual Limit" without reapplying for a new insurance policy (and at that point all current medical conditions will be considered pre-existing). After 14 years of consecutive annual policies with Embrace for multiple dogs, annual policies that went up in cost every single year, and never having even approached our $10,000 annual maximum, we dealt with multiple cancer diagnoses and treatments for one of our dogs. When it became clear that we would be well over $10,000 before the end of the policy year I called to increase the annual maximum and was told explicitly, for the first time, that if I ever wanted to increase the annual maximum I would have to reapply with Embrace for a new insurance policy for this dog and that their cancer would then be considered a pre-existing condition and would not be covered at all. It did not matter if it was done when we were entering a new policy year, either. And this is when I realized what Embrace was all about. I had asked when I began with Embrace if I would need a higher annual maximum and was told then, and in future years when we would adjust our policy by adding a new dog, that I was well covered with a $10,000 annual maximum. When I pushed back with this fact and the unfairness of this policy, they reminded me that I should have read the fine print located somewhere within the paperwork that states their many policies. Then they sent me a box with dog treats and toys and a card letting me know how much they appreciated our loyalty as customers and how sorry they were for our dog's illness. We ended up with $20,000 of necessary medical treatment for our dog that Embrace would not cover because it was over the annual maximum limit of $10,000. What they don't make clear outside of the fine print is that you can never increase that annual maximum amount without reapplying and having all current conditions for your pet considered "pre-existing". We later discovered that there are other pet insurance companies with no annual limits, and we so regretted all the money we paid to Embrace over the years and so wished we had gone with a different company. Dealing with Embrace on this issue was the worst insurance experience we have ever had, at the most vulnerable time of our life as pet owners.

The policy terms and what is covered are not clear. For example flea and heartworm preventive is only covered at $25 per year not per treatment. The website states no waiting period that is wrong. My first claim was denied because they stated my policy was not active yet. I have had 5 claims submitted and only 3 paid. Not worth the money. I will not be renewing my policy. VERY DISAPPOINTED!!

$1200 vet bill Received $190 back from Fetch Even after vet clarified report that kitten did not have a pre existing condition. Have been paying $150 month for two kittens for 8 months I feel like I was fleeced. Sent in paperwork and police case number for missing cat. Discovered Fetch denied receipt. Have to resend information. How convenient they don't have the police case number. Was not reimbursed for advertising material nor $150 replacement costs for another cat. A shocking experience. I will not be giving my money to Fetch ever again.

It is so difficult to understand the policy. I have been submit a claimed and still pending that I don't understand at all what the problem. There is request the medical records from 7/29/2024 which I don't have a puppy yet. I have my puppy in Jan,2025. He got sick in Jan 29 and I couldn't claim that one because of the insurance that I bought was not kick in yet. But after that still now all the claimed I submitted is still pending.