These reviews have got to be fake or bots, please go look at their reviews on Yelp and filter to “most critical” on the app store to read real reviews of people experiencing how terrible Fetch Pet insurance is. If I could give them a 0 star I would. This has got to be the worst company I have ever dealt with, and mind you I was an assistant for 5 years so I have encountered my fair share of difficult people and companies. Take every bad experience i’ve had, double it, multiply by 10 and it still doesn’t compare to how dirty this company will do you. In the past two years I have tried to cancel a countless amount of times and keep getting charged over and over. We have not used this insurance for over a year and a half and not only did they make it difficult to cancel, they wouldn’t refund us for the payment that hit today. You will never see a dime of your reimbursement, as all the other reviews explain, you will get constantly denied, and good luck trying to get a hold of anyone. The customer service was horrible. Straight trash. They seriously don’t care! If you took the time to read this, please take the time to research a different insurance that values their customers and your babies.

I’ve been paying over $120 a month for insurance on my two dogs, and unfortunately, my experience has been incredibly disappointing. My dog, Emmie, has had some mild itching, and when I submitted a claim, I was told it was considered a pre-existing condition due to “year-round” itching. However, I explained that this was caused by a shampoo issue with her groomer, and after changing shampoos, the problem cleared up. I called and did an appeal, and even had the vet write a letter explaining that there was no diagnosis of a skin condition and that this should not be considered a pre-existing issue. Despite all this, they still denied the claim. They did pay for her food at first but then reprocessed the claim after I asked why they weren't covering her allergy medication—and ended up denying the food too. It’s incredibly frustrating to have to jump through so many hoops when there’s no diagnosis or prior condition. We even submitted records that showed Emmie has a clean and shiny coat, and nothing was ever diagnosed. I’m now working on my second appeal, but I shouldn’t have to do this. It feels like they are looking for any reason to deny claims, and it’s making me seriously consider canceling the policy. I should be able to trust that the insurance I’m paying for will be there when I need it, but that has not been the case. I do not recommend this insurance company based on my experience.

The most horrific experience I’ve ever had with any insurance company. (you know that’s saying a lot) When our cat passed, I called Embrace to cancel. “I’ll need some information…” Info given. “Please hold while I pass you on to a special team that can help you.” “Hi how can I help you?” Repeat ALL info. Again. The next day, a survey in my email asking WHY I CANCELLED… BECAUSE OUR CAT DIED. Let’s rub it in, let’s ask again and again, let’s express some fake sympathy with a “special team” that doesn’t know anything and repeats the same questions over and over. Then let’s ask WHY you cancelled insurance on your dead cat. Pay attention people. Just a little. It’s not that hard to get this stuff right. All you have to do is LISTEN. Is there a zero-star option?

I’ve been paying over $120 a month for insurance on my two dogs, and unfortunately, my experience has been incredibly disappointing. My dog, Emmie, has had some mild itching, and when I submitted a claim, I was told it was considered a pre-existing condition due to “year-round” itching. However, I explained that this was caused by a shampoo issue with her groomer, and after changing shampoos, the problem cleared up. I called and did an appeal, and even had the vet write a letter explaining that there was no diagnosis of a skin condition and that this should not be considered a pre-existing issue. Despite all this, they still denied the claim. They did pay for her food at first but then reprocessed the claim after I asked why they weren't covering her allergy medication—and ended up denying the food too.

We just signed up so I have very little to go on but one thing that I would suggest is once you sign up a new customer it would be great if you would provide a wallet sized card that shows, we carry this insurance and maybe an overview of the coverage?

We pay for pet insurance and expect it to at least cover vaccinations or annual exams, but NO, it doesn't, and they're very expensive. It's only accidents. It's better not to buy this insurance. IT'S USELESS. Uno paga el seguro para nuestras mascotas y espera que el seguro pague por lo menos las vacunas o examenes anuales pero NO, no lo cubre y son muy caras, solo accidentes, es mejor que no contraten este seguro, NO SIRVE.

Spot deserves 0 stars. My dog needed to be seen for a new heart murmur. I went through the work to find available coupons and discounts for the work that had to be done and ended up saving $211 on the bill. Spot thought I went through the work to benefit them and took the $211 directly off of what they would reimburse me. I contacted them and tried to explain my reasoning with no resolve. Don't get trapped with the Spot, they are just another SLIMY insurance company who will screw customers over just to save a dime. Their customer service sucks and I 1000% would NOT recommend doing business with Spot to cover your furry friends! DO NOT get pulled into their catchy phrases claiming #1 pet insurance, In fact, they are #1 WORST pet insurance!!! There is a reason there are no Google reviews. What a shame, be better Spot. ***Edit after response - If Spot had included the whole invoice in the claim that would make more sense, but it was not. Still very unhappy, and no point reaching out again, because nothing will change, a waste of time.

I had a rare positive experience with the former company that became Fetch, Pet Plan, and I had recommended them many times over the 12 years I had my policy; however when my premium (understandably) went up as my cat is older, I did the calculations and determined there was little financial benefit to maintaining the policy, so I called to cancel. I was given a whole pitch about all the ways my cat could get sick and need coverage- I patiently listened and explained my position, again, but when the agent repeated the whole script again, I told her I would check with my vet and see if her argument was worth considering, given his health. Talked to vet and I was correct, so I called a week later to cancel, and explained my entire position again- that I was calling back the second time after considering not canceling, but very firmly requested to cancel my policy. The agent then took several minutes reading the notes from the previous week and his claim history, and then pursued to launch into the exact same script again, and then one more time after I interrupted her that she was repeating a message a had heard now 3.5 times before. It felt manipulative and scammy, disrespectful of my very clear request, and wasted my time on what should have been a simple call, but ended up being over 10 minutes. I will not ever recommend them again.

While working in vet med I have always been a big advocate for pet insurance, Trupanion being one that I recommend time and time again. I am however disappointed in my experience over the past year. I had active policies on all 4 of my pets from the time of adoption as puppies/kittens. They are generally healthy pets, well cared for, regularly vetted, ect. I unfortunately had issues with my coverage being cancelled due to payment issues while fraud was linked to the card used. The representative I spoke to initially was helpful in assisting me with information to connect with a different rep who was the only one who could reactivate my policies. I expressed my concerns that I work overnights and typically am not awake during day time hours but gave a window of time I would adjust my schedule. I was not called by them and ended up playing phone tag which came to a dead end, ultimately leaving me with no coverage for any of my pets. Recently I tried again, although time had passed, I was hopeful that it could be resolved but was left with the only choice being to open a new policy for each of my pets. My total payment went up around $100 even while increasing all of the deductibles. My pets are no longer covered for conditions they had during the time of their active policy. I’m so disappointed in the resources and reps available to help during various hours.

I enrolled my two dogs for insurance last year in October and cancelled both. I did the enroll process online and chose illness coverage, accidents and wellness. My surprise was when I got the policies the illness coverage was denied due the age of my dogs, however when I did the enrollment online they never disclosed to me that there was a limit on the pet's age. They need to disclose this online when you input the pet's age and not after the enrollment.