I have a Healthy 5 year old Mini Schnauzer I put and fetch insurance last year las month my dog ate somethin that made him very sick took he would not eat and through up a green substance I took him to the emergency vet A bill of 1300 I put the claim and was denied because the dog did not see the vet for a year . this was not explained a healthy dog . The took 15 day to denied . Don't get it they never answer phone for your question .

This company wasn’t transparent with their policy even though I asked the right questions to make sure that I was following the procedures. My cat’s recently discovered condition was claimed to be “pre-existing” even after her vet submitted a letter stating that it was a new condition. I cancelled it. I do not recommend Fetch.

They denied coverage of my pet's ACL surgery and treatment claiming it was an illness not an injury. I contacted my veterinarian about this and they claim they have never heard such a ridiculous denial. ASPCA will not be there for you or your pet, do not recommend the use of this company. Either a lack of knowledge or lack of compassion, very poor experience

I asked why Embrace cannot provide wellness coverage in Rhode Island and was told that R.I. law prevents such coverage. I plan on contacting my state legislator, but wonder why Embrace isn't doing anything to address the problem.

I was a member for years. My one claim for surgery was turned down. Having me pay into a system for years that then turns down my claims is a scam.

If my vet prescribes it, they should cover it. One of the medications my vet prescribed had significant neurological side effects. We discontinued it immediately. The vet sold us a different medication, that is apparently not recommended by the FDA but allowed him to recover. So the choice was continue with the FDA approved meds making my dog very sick, or give nothing and hope for a miracle, or give something that actually works but is not FDA approved. My dog also would not eat anything. We tried everything. The vet sold us a few cans of a prescription diet so we could get him eat until he felt better. Disallowed... of course. I'm curious what vet on the Embrace staff made the decision to disallow a portion of my claim, or was it just some person in a cubicle with no medical knowledge. Do I trust Embrace, not entirely. We will very likely change insurance for our next dog.

I filed my first claim for healthy paws pet insurance over a year after I enrolled my new dog. Throughout the entire time I have owned him, I have been diligent in submitting proof of soap notes from previous vet visits (one over a year before I submitted a claim and the other several months before). I also submitted proof of vaccinations as well as negative parasite tests. When Beau injured his leg and needed an xray, I filed my first claim. I was then told that there needed to be more documentation. I emailed back said documentation, but figured I should also call for good measure. The customer service department was unable to tell me what documents they had previously received. (I will note that any time I had submitted documentation I received an automated email). When I asked if I could speak to anyone who worked in the claims department I was told there was no phone number, and the only way to contact them was via email. When I asked for that email, I was given the general customer service email that can be found on the website… so not anyone linked to claims. All emails I have sent have only been answered with automated responses. When I went back and totaled up how much I had spent on this dog insurance service, I was dismayed to find that had I simply put the same amount of money to the side I would have been able to cover my dogs treatment. I think that this company goes out of their way to make contacting them difficult, and receiving information regarding you claim impossible. I hope someone reads this review and saves themselves the money or finds another honest insurance company that will actually cover new injuries.

I paid 149 to 191 dollars a month for insurance never had a claim than my dog need surgery for this throat the bill was 6,661 l thought that l would get 70% of the bill and you paid me 3,000 telling me i reached my limit. The amount of money I paid for insurance you should have covered the 70%, I will never tell anyone to get your insurance you are a rid off oh I almost forgot I was told l could not file a claim for 1 years but still pay the monthly premium bye bye

They don't cover tests even if it is caused by an emergency. We had a bill of $422 and they covered $0 . Really not worth for the price I pay monthly.

App bounced me out on my phone. Said it was "unresponsive". Website gave me an error message that indicated it wasn't able to process the claims and apologized for inconvenience. I am tech savvy and the website is not user friendly. I tried multiple times to submit claims. The claims I have submitted are listed "on hold" and I keep submitting required invoices and they are still listed as such. 8 or more are pending. After 3 hours, I emailed per the website and am waiting to hear about next steps.