Don't waste your time or money

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

One of the worst experiences…. We had them for over 2 years. Every time we tried to put anything in we could never get someone to talk with. Paid $60 per month. Nothing big with surgeries or anything but not once did the cover anything. No problem we got burned. Then we canceled n you would think they would stop charging. Nope!!!! They stop n then started hitting our card again like trash they are n probably do this to lots of people that don’t pay attention to credit cards. This is the 3rd time. Stop ripping people off… you are such a scam n I will make sure everyone knows!!! You are a scam to take advantage of our pets/family members. Typical insurance company. Trash.. stay away!!!!

What happened to through payroll It requested my credit card

I found out my dogs coverage had lapsed 2 months ago on 2-28-25 not from Nationwide but from Walmart when I tried to get a discount on his prescriptions. I was told a letter was mailed when my credit card payment was denied 1-28-25 but I did not receive it. My card had been compromised so I missed changing this auto payment to Nationwide. You’d think Nationwide would want to email me and let me know of this payment error to keep me as a customer. But no email was sent nor was a phone call made eventhough you have all that info. I’m shocked I didn’t even get a notice to re apply. This could’ve gone on for months. Since I wasn’t notified I did not have a chance to reinstate my old policy. Now I have to reapply and wait for 2 weeks to make sure my dog is covered. Very poor way to treat a valued customer. I’d like to be reinstated without waiting.

I cannot endorse Embrace Pet Insurance unless you enroll your pet immediately after birth. Any health issues your pet had before enrollment are considered pre-existing conditions. For instance, my dog had an ear infection a few years ago, so any future ear-related issues aren't covered. He also had diarrhea once, which counts as a pre-existing condition. Additionally, he needed to have a tooth extracted, meaning dental work is not covered. Two years ago, my dog exhibited signs of a potential seizure before I had pet insurance, but he was never officially diagnosed, so it was never confirmed. Fast forward to now, my dog experienced multiple seizures one night, and it required an emergency vet visit. When I submitted a claim, it was denied due to pre-existing conditions, meaning the ER visit and any necessary future medications will not be covered. I understand their perspective, although I disagree with it. I wish it had been clearly communicated when I signed up that his policy would essentially provide no coverage. Had I known, I would not have purchased the policy at that time. I feel deceived and betrayed. I cannot recommend Embrace Pet Insurance because, when I needed them, they were not there for me.

They make it so difficult to make a claim! And, it was not even a big amount, $123, and it was the second time I made a claim. The claim did not even reach the deductible yet. It's been almost a month since I put my claim in. And, they kept saying my vet did not send them my dog's records, but when I called my vet, they have already sent them everything a couple of weeks ago! I have two dogs with them, and paid high premium. I called them, and they gave me a run around each time. Worse customer service ever. Thinking of terminating our policies and go with other companies!

After paying into this pet insurance for a decade, I was shocked when they raised my monthly premium to $500 for my 15-year-old dog—who, by the way, is still healthy, active, and has no major medical conditions. She walks regularly, jumps on the bed, and has only minor joint stiffness. This price increase wasn’t based on her health but on cold, statistical assumptions about senior dogs. It’s clear they’re happy to collect your money while your pet is young, but when the risk of paying out increases, they’ll price you out. It’s manipulative, unethical, and shameful. I canceled and found a new plan with solid coverage for half the cost. This company does not stand by its customers or their pets. Avoid at all costs.

Tried to say diarrhea from a year prior from a flu bug was a pre-existing condition so then anything where the stomach was involved (basically any virus has diarrhea!) wouldn’t be covered! So when I ended up in the ER a year later from my dog ingesting something that caused him to vomit and have diarrhea, they wouldn’t cover any of it saying it was pre-existing!!! Waste of money! I’ve had plenty of dog insurances over the years and this one is truly the worst

Navigating through the website is awful. I had trouble viewing my new dog policy because the option to see it was not in plain, logical sight. Also, I’m having problems with inputting the bank info for reimbursements, which means I will need to call Embrace during a time call volumes are high.