Don’t pay for anything , not worth having

When it comes to large insurance companies the only thing we have is a platform and a voice. I am very pissed so here you go. Nationwide pet insurance (who is not on your side) has been taking my premiums for the last three years for GIGI. We were told we had the very best insurance, low deductible, and max coverage. As a lot of you are aware GIGI was rushed to Davis University and had to have 2 discs in her back removed. This cost us $12,500. One day later we sent her to VEG. She had to have throat surgery as she could not breathe, the doctors said she would die if we did not do the surgery, which cost us over $18,000. We love this little girl and would have done it with or without the insurance. Nationwide (who was not on my side) would only accept the claim online. I spent 4 days trying to make sure it was correct. I admit I am not the brightest bulb when it comes to this. After all was said and done they denied 80% of the claim. Reasons for the denial included not filing the claim correctly. To be fair this was my first filing a pet claim online. I was then told it was congenital, so what they are saying is she must have had this at birth. When we purchased the policy they sent her to the vet for inspection and she passed. This is nothing more than a large company trying to limit their liability. I will tell you this is no longer about the money. I now have a new mission, to let everybody know. We are spending our hard-earned money to protect our pets and ability to save their lives. Now that we have a pissed Kevin I am looking forward to my new mission, Every chance I get I will let everybody know! "Nationwide" They are not on your side!!

Update April 2025: Trupanion has looked into this matter and resolved it. They confirmed that there was no confirmation to cancel the plan after listening to the recording of our call. I am very pleased that they attended to this matter so quickly and corrected the error. The enrolment process went well and the person was very knowledgeable and friendly. The issue I had was that I had been a Trupanion member since my dog was just a few weeks old. I called to cancel my insurance due to an appeal dispute and the Trupanion employee suggested some helpful things to do in order to have a stronger appeal. I then told her to wait to cancel my insurance while I spoke to my vet, but I received noticed that it was canceled anyway. By the time I contacted Trupanion to get my pet back on the plan, they said too much time had elapsed (just over a month) so they would have to enrol her at a four year old dog rate (much higher), despite the fact I'd already been a Trupanion customer for four years with the same pet. It's disappointing that this was not recognized at re-enrolment.

DO NOT USE THIS SHADY INSURANCE COMPANY. They will deny every claim even in urgent situations. There is 14 day waiting period which they don't disclose. They are only out to get your $ and provide shitty service and no insurance when one needs it most.

I was transferred from 24 pet to Heartville they wanted to charge me$107. For an accident & illness policy. I was only paying $77. At 24pet for the same policy. I canceled my policy with both companies on January 3rd 2025. I even received a cancellation email from Heartville stating that they canceled my policy. On March 15,2025 they charged my bank account/ card for $107. For a policy that was cancelled several months ago. Even 24 pet confirmed that I had done this. With Hartville. Now they are telling me that they have no control over their refund process and wait 7 business days 3/25/25 is 7 business days & they still can’t tell me what is going on with my refund. IF my refund doesn’t show up 3/25/25 then they will SEE IF they can manually refund me but they are not positive. I have been with spot pet since January 3 2025 & I pay $77. For accident, illness & wellness policy. I would not recommend Hartville for your pet they over charge. They have no care that they are affecting people and their personal banking/cards causing other problems for those people. After the fact of being canceled several months prior. Even my personal family member who works in the insurance industry is completely surprised with Hartville behavior. I have also called 24 pet to inform them of how the situation of being transferred to Hartville is affecting people & suggested that they find a different provider to transfer any remaining costumers over to.

I'm a current subscriber and as soon as I hit my deductible; I plan to unsubscribe from this pet insurance and at this point all pet insurances. The amount I spend on a monthly basis is enough for me to save up for my senior dog's expenses because in the time I've been a subscriber, they have reimbursed me maybe $100. It makes no sense for me to pay hundreds to my vet and hundreds to Pet's Best. Everything is somehow not covered and they find a way to put the reimbursement amounts back into their own pockets.

Fetch always claim pre-existing or known issue. It's like going on holiday and your child breaks his arm and you get a hefty bill as you have no insurance. You pay it and your child gets better and all is good. You go on holiday again and this time you get insurance and this time your child breaks his foot, but the insurance company don't pay out as they now know the child has "bones". Two different things but treatment and recovery are the same. Our dog has had VARIOUS skin issues, some are a rash on his groin a few years ago which has never come back, but recently he had bumps on his head and now a skin infection due to scratching and all claims are denied as he had an allergic reaction to something approx 4 years ago. Sick of it

I'm very disappointed with many pets. There were technical issues with your system in Sept. 2024 and Mackcaroni ended up without accident insurance!

I am absolutely disgustingly disappointed in this company. I have USAA insurance and their affiliates with Embrace. As a USAA customer, we are supposed to be priority when it comes to customer service. And a first time dog owner, which I told the representative at the time of signing up. We had adopted an eight week old French bulldog puppy and called Embrace for their guidance through setting up an account with Embrace. The man over the phone made everything sound like we were good to go and everything was covered and we had a really good plan for our puppy. I then had to wait several weeks before I was allowed to take the dog to the vet for it to be covered. I find this to be unnecessary and a huge waste of time. But as I mentioned, I’m new to this and didn’t question it After taking the puppy to the vet for his initial shots I sent in my invoice to Embrace, which they had no problem covering. My puppy a few weeks later had blood in his stool. I took him to the emergency vet. We got him in. They did test testing only to find out it was from straining. I sent in the invoice to Embrace and was told that blood in the stool is a pre-existing condition and they wouldn’t cover it. I fought and fought, but didn’t win. They didn’t even cover the office visit, which is supposed to be covered always. Now it’s time to neuter my puppy. Since there’s a thing called wellness that you have to put a number on and once you reach that number, you’re no longer qualified. So the previous Vet visits exhausted my “wellness insurance” so from here on out I pay for everything out of pocket. Mind you I pay this company to ensure two animals. I pay my premiums on time and I’m a loyal customer, but this company threw me through their loopholes just to get my money because they won’t cover anything. I do not recommend Embrace do anything you can to research how horrible they are. I am leaving Embrace to find a better company who won’t rob you. If you get them on the phone and question them about anything, they are so rude and make you feel like you don’t matter. It’s very disgusting. Since I can not respond to Embrace - I will edit here. As I look thru all of the horrible reviews, Embrace always comes back with an general response which does not make any sense. We are here voicing how horrible you are because we now know the policy. We do not need you to repeat it to us in a response. That makes us feel like you think we are stupid! Upon signing up - your representatives bait and switch. The "Wellness Rewards" is very UNrewarding. When I tell your representative that I am a first time dog owner and I have an 8 week old puppy - I expect your experts to lead me in the correct direction and that did not happen. If I would have known that I was going to run our of these "Rewards Points" after one visit with a new puppy, I would have NEVER gone with this joke of a company. As for trying to dispute the "pre-existing condition" - I mentioned above that I fought and fought bu

I would like to pay for the whole year. That would be easier.