Takes too long than other insurance companies to receive reimbursement. Also, company never seems content with the invoice for reimbursement

claim related to Wellness check up after adopting pet rejected without any reason and stating insurance policy expired where as i just purchased the policy. i have wellness add on with the policy.

I have not received my refund for Swopie as today date. It another second check for my initial refund on Smokie. I would appreciate if I could receive a call from an American Rep not from the outsourcing of calls to another country. Thank you

I signed up for the wellness plan. First year claim smooth and uncomplicated. First vet to indicate she had a loose knee so Fetch upped our premium the following update. This wellness check at vet no mention of knee problem. The vet's office puts the exam in with two of the vaccinations for a total of $149. Fetch did not pay the exam fee. I contacted them, the vet's office contacted them and still no reimbursement for the exam. My next renewal would have gone up by another $12/month. I paid $144 over the year to get $50 back on visit. I have since cancelled the wellness plan and will not be adding it back.

I was denied a claim a few months ago based on the fact that my dog was chocking and required an emergency exam. Embrace claims that without evidence of what went wrong or why, they denied the claim. Makes no sense at all!

Claims take way too long to be reviewed and God forbid if they need further documentation because then they won't look at for another 2 weeks. I also dislike that when I make a separate claim for one pet and then a separate claim for the second pet the same day then somehow they get combined and it's a mess. And if I make a different claim the next day, somehow it gets thrown on to a previous claim. I also don't appreciate how when a claim is finally completed it appears MetLife has the option to go back and change the determination and seemly erase it had previously been completed and approved. This happened to me where a claim was used towards my deductible and I therefore had met the deductible and so the next claim I got a small payment. Well, several weeks later now someone went back to that claim and denied the claim so those charges no longer went towaeds my deductible, which I can't believe an adjuster would actually have the time to review previous completed claims when they take FOREVER to work the ones that need to be completed. Maybe that's the problem IDK. Also, the App is a nightmare. Constantly having to get an authentication code by email. EVERY single time. Can't use the code by text option because I never receive a code, not that a text vs.email code makes that much difference. But the app has a 'Remember Me' click box...and it's worthless. Normally that function would mean you want the technology to remember you and your phone so you don't have to continue to get authentication codes. Doesn't happen. There are so many issues I've experienced I can't write them all here. One good thing though is that most of the representatives are nice and pleasant, although they do give incorrect information and timelines and excuses. And they cannot contact anyone about your claim, they are very limited as what they can tell you and help you with Only had one or two who were not as friendly.

This company has multiple minimum $500 expense amounts you must reach for any pay out and they deny almost everything that is claimed. We had a $3900 bill for an injested plastic piece that needed multiple scans and were only paid out $800. When I called to cancel, they tried to blame my frustrations on having such a high deductible (only $350).

Easy to sign up, difficult to renew. Three stars because they decided not to renew my policy and didn't give me a way to switch to another plan

When my pet insurance policy was up for renewal, I contacted NW and they told me that I needed to get a new policy. They told me they would have to close my existing policy before they could renew. Now I have no insurance. They sent out a questionnaire asking about my pet and what veterinarian office I was using. They contacted the office to get my dog medical records. Apparently after NW reviewed his records they found that his liver ALT was slightly elevated. NW considered this as precondition. I was told by my vet that this is not unusually in dogs and there is no precondition with him or do we need to treat him. I spent more money to have a complete liver panel done to only find out that everything else was in range. I went back to NW with this information and they came back with he needs to be treated. This was the end for me. Is NW a vet professional or an insurance company? I think my vet knows what they are talking about. I have had NW 10+years and I always highly recommend them to friends with pets. No more. Nationwide was definitely not on my side.

Unfortunately, my experience with Spot Insurance was deeply disappointing. After insuring my cats, Gwendolyn and Wessley, and submitting multiple claims for each, all were denied with explanations that felt dismissive and inconsistent. Despite my appeal and supporting documentation, their resolution process felt more like a formality than a genuine review. Customer service was polite but ultimately unhelpful, and the outcome left me with little trust in the company's integrity. I’ve since canceled my policy and will not be insuring any of my pets with Spot again. I strongly recommend looking elsewhere for pet insurance that’s fair, transparent, and dependable.