While I have had some good claims go through, the most recent one was handled extremely poorly. They will dig through your pet's medical history until they find something they can latch on to and call a preexisting condition. This time it was - VOMITING. Vomiting as a pre-existing condition? That is a symptom of literally everything. When you call and ask for explanations, they can barely speak English let alone explain the reasons why your claim is denied. They will not look at the claim again, just tell you to dispute the claim. I will try but I'm sure it will amount to nothing. As someone who works in customer service, this experience has been less than stellar. A company with ties to the ASPCA that treats its customers and pets this way is sickening. Now I'm scared to leave because my dogs are seniors and need coverage. Very disappointed. 0 stars.

I have had nothing but trouble with ASPCA. Their communication is poor, their customer service line cannot seem to get it straight was is needed and they do not communicate back to try to resolve an issue. They also say that they have reached out about medical history, but that is not the case. I am so far very unimpressed with ASPCA Pet Insurance

Please save yourself from this scam. They have the worst submission process possible, as well as the worst customer service possible. They make you jump and bend over backwards to even get an approval on a claim. I’ve had to send in multiple bank statements and cleared out my personal information just to prove that I had paid for a vet visit. Please do not please do not sign up for this insurance company.

Most evil, pet hating, unethical company in the entire market!! DO NOT USE THEM! After nearly 8 years paying thousands in premiums they cut our dog off his health insurance. They said if we sign up again despite no interruptions it would be considered pre-existing conditions and wouldn't be covered. OUTRAGEOUS! Were not alone - thousands are being thrown off their coverage with no good options or alternatives. Its unbearable. DO NOT GIVE THEM YOUR MONEY - they have 0 care for pets.

I had MetLife pet insurance. When I needed to take my cat to the vet on account of vomiting and diarrhea. The exam was pretty standard, the invoice and vet notes I was supplied were straghtforward. Then MetLife tried to say I didn't include the vet notes (but I did). They say it only takes 5-10 days for them to process a claim. I waited 2 weeks and still heard nothing from them. So, I call and ask what is taking them so long. They said they were finalizing my claim. I found out later they had closed my claim and didn't even notify me (yep just dropped it). I felt like they were just jerking me around. So, I had no interest in continuing to talk with them since I had come to see that their costomer service personnel were clearly not honest with their customers. Furthermore I stopped paying them for the policy. Why should I give one more red cent to an insurance company that doesn't uphold their end of things and doesn't compensate their customers claims in accordance with the policies they are paying for? I won't give MetLife any more of my money or my business.

Like most pet insurance there is a scam aspect to it. You really don’t get the coverage you get in human medical insurance. I used embrace for 5 years and the rates have gone up between 20% and 35% each year, so I constantly have raise my deductible and decrease my yearly aggregate amount they pay. I have swithed to Prudent Pet insurance and saved 1300 for the year for the same coverage, so let’s see what happens. Not sure why embrace invited me to review when I just canceled my policy?

Definitely do not recommend. Will fight you on claims, and raise your premiums insanely high with no consent from you. There is better, and cheaper, pet insurance companies out there: PetsBest, Lemonade, etc. Definitely don’t waste your time with Nationwide.

This is a scam. I am having the exact same issues as the other comments on here, however, I am filing a class action lawsuit as this is a clear “bait and switch” strategy that is wrong. Taking advantage of people’s emotions to want to help their animal and then stealing, stating as well that you have a waiting period of 14 days before you can even use the insurance yet it says you also only have 14 days to request a refund. If anyone sees this and is dealing with the same experience, my father who is an attorney in contract law is assisting me in a class action lawsuit. If you want to join please email me christinascioli34gmail.com. It’s time things change and I’m going to make time because this is evil. Same pattern in their response, they appear to lean on fine print and loosely interpreted policy clauses to deny coverage—suggesting that a required veterinary exam was missing (when in fact it was submitted) or implying that cancer falls outside of covered conditions. These tactics deflect accountability from their own clear marketing claims and the actual policy language, which explicitly state that coverage applies to diagnosed illnesses and does not exclude cancer. I have reported them to them to the: - The State Department of Insurance; - The Federal Trade Commission (FTC) for deceptive business practices; - The Better Business Bureau and relevant consumer platforms. I recommend everyone who is dealing with them just trying to wear you out and give you a run around and hope you quit - don’t. Report them to the above and contact me. There is power in numbers.

Price keeps going up without any increase in benefits. I have seen an increase the last 2-3 years.

It’s really difficult, to submit to you because you don’t seem to understand the invoices that my Veterinarian sends. So it’s very frustrating.