The experience is average we are glad we did purchase pet insurance for furry friend. Understanding the reimbursement process is a little cumbersome, but overall they do follow through and get back with you and it has been very helpful

TERRIBLE COMPANY. This company is incompetent. They won't approve anything and are terrible. Your denied claims DO NOT go towards your deductible. Something I wish they would have disclosed in the policy when signing up. My pet had a cough due to something completely different than what he is dealing with now, and they won't approve his claims of over $1500 because they think it's pre-existing. I even had my Vet write a letter claiming it was not pre-existing. Still won't approve. I then used their Rx platform to order my dogs antibiotics, I paid for next day shipping. Well it's been 6 days and my pets meds are still not here. When I asked about it, they said someone used a USPS label instead of the FedEx label they were supposed to use that I paid for. The rep said that it would be delivered today, but now it's saying tomorrow. What the heck. I HATE THIS COMPANY. I have never used such a sad excuse for a pet insurance company till Fetch. My pet is battling pneumonia and a collapsed lung and has been without his antibiotics for an ENTIRE WEEK. While the reps are competent and accommodating, the company they work for is such a scam. I am spreading this far and wide and plan to take this to social media to spread the word even further not to use this company.

Summitted a claim for a lump in my dogs neck. EC0865-6576, the vet did a needle aspiration of the cyst and found it to be non cancerous, thank god. But Embrace said it was a skin condition and that no needle aspiration was done when the invoice clearly stated they had performed a needle aspiration of the cyst. I complained to only have them tell me it was not covered and if she had cancer in the future she would not be covered. Very Dissapointed.

Two weeks since the settlement of my claims and I still DO NOT HAVE my reimbursement checks. Today is 1/14/25 and the claim was completed on December 31st. Don’t blame USPS, your. Impact (Spot) evidently doesn’t mail out the checks until more than a week after finalizing the claim because USPS would have it delivered in 2 to 3 days.

Why the heck did my annual premiums almost double this year!!?!

What was a high premium to begin with, has doubled in 2 years. Wouldn’t have even considered it at this price. Got it when my puppy was 8 weeks old, he’s 2, so imagine how many more increases in his lifetime, won’t be able to afford it by the time he needs it!!

I only had the policy for about 1-2 weeks before I had to use it. Unfortunately my dog passed. I submitted a claim for the hospital and after placing a call to check the status my claim was in the final stage of processing. My policy was cancelled and my refund for that only took about 2 days to refund, still waiting for my claim payment to come through.

I sent in a claim on 12122024 and it has been approved and I'm still waiting on my check on 01042025. slow process

TERRIBLE COMPANY. This company is incompetent. They won't approve anything and are terrible. Your denied claims DO NOT go towards your deductible. Something I wish they would have disclosed in the policy when signing up. My pet had a cough due to something completely different than what he is dealing with now, and they won't approve his claims of over $1500 because they think it's pre-existing. I even had my Vet write a letter claiming it was not pre-existing. Still won't approve. I then used their Rx platform to order my dogs antibiotics, I paid for next day shipping. Well it's been 6 days and my pets meds are still not here. When I asked about it, they said someone used a USPS label instead of the FedEx label they were supposed to use that I paid for. The rep said that it would be delivered today, but now it's saying tomorrow. What the heck. I HATE THIS COMPANY. I have never used such a sad excuse for a pet insurance company till Fetch. My pet is battling pneumonia and a collapsed lung and has been without his antibiotics for an ENTIRE WEEK. While the reps are competent and accommodating, the company they work for is such a scam. I am spreading this far and wide and plan to take this to social media to spread the word even further not to use this company.

Spot insurance is a fraud! Totally a waste of money! Processing time, even if you include all the correct documents takes up to 10 business days! They try not to pay for things that you are covered by and you have to fight with them about it and threaten to sue. I DO NOT RECOMMEND THIS INSURANCE.