Representative was courteous. I submitted a claim twice because it was not legible. The claims were sent EXACTLY AS Embrace requested. After I was placed on hold for an extended time, the claim suddenly became CLEAR. Another issue I have is when Embrace factors in discounts I receive for other non- reimbursable items I purchase.

If you go back to edit anything or even to take a second look the information you have entered is not saved. Frustrating

Nothing they did was illegal. Just heartless. This is a company that only cares about making money. I was with them for 17 years. They have changed ownership and names a few times. The coverage went down and the rates kept going up. Once you decide on a pet insurance company, you're pretty well stuck as your pets age and have conditions. Know that going in. Fetch instituted deductibles PER CONDITION in recent years. That makes it nearly impossible to ever collect. An older pet, like an older human will have multiple conditions. I stayed with them because no other company would take my kitties as they aged or they were prohibitively priced. In early April, it was clear that my remaining 18 year old kitty was nearing the end. I wasn't going to go to extraordinary means to keep her alive. She had a chronic, terminal condition. I called and cancelled my policy before it renewed at the end of the month. I had a long talk with the cancellation guy, explaining clearly why I was cancelling. One would think he would pass this information along somehow. Instead, I immediately started getting automatic emails asking me to renew, as if I was just switching companies! Seriously? That was heartless enough. But, I had to put her down on 4/22, and I'd already asked if euthanasia was covered. It was in her case, as it was a continuation of a documented condition. I filed immediately, and they've paid a tiny fraction of what I've paid out to them. All legal. That's the insurance business. But, guess what? I'm still getting solicitation emails, not just one, begging me to renew! The cat is gone! If you had any heart, any communication within your company, Fetch, you'd have sent me condolences and left me alone. Instead, they send automatic, standardized, impersonal, and heartless emails that even use my cat's name! Stay far away from this company. They won't be there for you. Oh, and if you're a day late beyond their timing for filing a claim, they won't reconsider. They just won't process it. In particularly busy times in my life, I've been a little late. It didn't happen often, but no matter how long you're with them, there are no exceptions. They won't reconsider. I think venture capital and AI run this company. As long as your pet is young and healthy, you'll get low rates. But even if you stick with them, they will find ways to increase your rates and lower your coverage. No loyalty. Just know that going in.

I asked to have grants name changed to haze so pls do it as I asked. I don't want the eobs denied because of name change...ty

Electronic application, paper mail response, no way to contact email or otherwise.

I had to send my invoices about 4 times before they were looked at and approved. I would get an email back, several days later saying "something was wrong with the invoices" and they couldn't fix it right now.

MetLife pet insurance is a scam. I first had them in march of 2024 and filed my first claim taking my dog to check for ear infection but got denied because in Feb 2023 when spayed vet checked ears and needed cleaning wasn’t treated for infection in Feb but because had vet checked ears that was considered pre existing issue. I canceled policy however in August I signed back up . In April 2025 I took dog in the have ears checked and no infection just gave wash for ears but guess what it got denied saying pre existing condition dates back to 2024. I will never do business with MetLife and I suggest to anyone find another provider who cares and doesn’t deny for something that wasn’t diagnosed and then to deny a year later saying pre existing. Dogs get things like humans do we get ear infections etc but we don’t get denied by our insurance for something that wasn’t diagnosed a year ago as pre existing. Beware as I spoke to both representative and manager who told me I had to go through this appeal process and have my vet also write something. They are not helpful and manager I spoke to Dianna shouldn’t be a manager. I’m going with another provider who will care about my dog and the fact that I pay my bill monthly. Companies like met life shouldn’t be in pet insurance

They're customer service is great! They've never denied a claim. So far good right? Our dog got a cancer diagnosis. The claims got pretty expensive. We ate up about all the the $5000 coverage. So this year our rate went up to $6474.21. Than means to get $5000 coverage we have to spend the $500 deductible plus our 20% portion ,$1000, plus $6474.21. Full coverage from Embrace will cost us $7974.21! Response to Embrace's reply. I'm not going to go over all of the numbers. Every option I was given, increase the deductible, lower the percentage Embrace would cover or both. The bottom line is the cost of coverage will be well over $1000 more than paying for our dogs medical expenses. With that said, I realize Embrace is not in the charity business. I do feel in this case that honesty is the best policy here. Saying it makes no economic sense for me to continue using Embrace. The expense would be far greater than the coverage is worth.

The vet office used to be good now they treat you like dirt . Slow process always wanting to add more stuff ti raise price.

Don't waste your time or money