They take FOREVER to process claims. Then they request additional documentation to take even more time to process your claim. I have had a legitimate claim open for almost a month. This company doesn’t want to pay and they are dragging it out.

I’m very disappointed in PetsBest. I’ve been a loyal customer that insures 3 dogs and a cat with them for many years, and they denied a claim -a big one of course-$3,500!- that I spent on my 11 year old dog that had an extremely bad infection in her mouth and needed teeth pulled. My vet backed me up with the call he made - and because my regular dental care that I pay for fully was 14 months prior, and not 13 mos. I ate the whole bill! I even called them before bringing them in for what was privy’s broken tooth that needed to be pulled and they assured me it would be covered. It wasn’t. I’m very angry with them, and I’ve sent them many new customers over the years. No loyalty to customers here, and I’m looking for a new insurance company that appreciates their customers.

I had two claims to submit. The first one was simple and I would rate the proccess a 5 star. The second invoice was more difficult because I was unable to find the diagnosis in the drop down menu. It then states if you can't find the diagnosis put it in the description box. When I tried to submit it said unable to process the claim. So I picked one from the drop down menu that was the closest and included the description of the diagnosis in the box. I was able to submit it but unsure if it will be processed. I will wait and see.

After I contacted Fetch and cancelled my pet’s coverage, they continued taking money from my credit card for 3 months. They are refusing to reimburse me.

I am sorry to have changed insurance from Nationwide. The claim process is cumbersome and they keep asking me to contact my vet for my 3 dogs history, something they should have done last year. I strongly advice pet owners to avoid this company…

I have yet to find a vet that bills my insurance

I used to suggest Embrace to all my friends. Not anymore. They’ve increased my premium from roughly $760 per year for two cats ( 1k deductible, 90% with 15k max payout) to $2000 per year. My cat’s age one is 7 the other is 8. Inflation is their only reason. I can only lower my deductible %. I have no choice but try to keep up. This pet premium is the least payout and its even more than my mortgage insurance per year. I am stuck here. If I switch or up my plan all previous claim will become pre existing condition. This is unethical. On the other hand I do love their customer service but this is unbelievable.

Stop submitting claims in 2024 because company never pays! Puts claims on hold even tho they get invoices and notes from Vet. I submitted notes myself and still get put on hold!

I received a renewal notice on February 24, 2024. I responded with; "Please cancel this policy at expiration on 4/30/2024". They didn't cancel the policy and debited my card for the premium. I forgot about and believed it was cancelled but they debited my card again for a 2025 premium. When I called to discuss, they said the renewal notice comes from a "do not reply" email address and they were sorry but couldn't help me. The email did not say "do not reply". I asked how I was supposed to know it was a do not reply email and the representative said she didn't know, but that's the way it is. THIS IS FRAUD and anyone working for this company should consider other employment with a company that is fair, honest and forthcoming. Many have trouble with claims and I can certainly understand why. This is a deceitful company!

I cancelled my policy in January 2025 through email. Fetch acknowledged my request then continued to take the money from my account for 3 months. They refuse to give my money back and are ignoring my communications.