Fetch makes it very difficult to cancel a policy. It is impossible to cancel online and nearly impossible to reach them by phone during their business hours. So in lieu of being able to cancel easily online, I deleted my credit card information so that they would have to cancel my policy when my payment failed. I received no less than eight notices that my payment had failed and my policy would be canceled. This is what I wanted, so I did not respond to these notices, trusting that my policy would indeed be canceled. Imagine my shock when I opened my credit card statement and discovered they are STILL BILLING ME despite having sent me EIGHT notices that my policy would be canceled, two months after I DELETED MY CREDIT CARD INFORMATION. It appears they have gone through their records, found my previously saved credit card information, and used it to continue billing me after I explicitly withdrew my consent to use said credit card information. I came to Trustpilot immediately after filing a formal complaint with the California Department of Insurance. After the Thanksgiving holiday, I will call my credit card issuer and dispute the fraudulent transactions, and I will supplement my Department of Insurance report with a fraud report to the California Attorney General's office. If you are in the same situation, please report the fraud to the Department of Insurance in your state. This is absolutely illegal and I will get my money back even if I have to pay the Small Claims filing fee and sue them myself to do it. I was obviously unhappy with Fetch already, hence the desire to cancel, and using my credit card information without my consent after I expressly deleted it is the absolute last straw.

I was asked repeatedly to submit my pets records. I submitted them than was asked to do it again. This happened three times to the point I was extremely annoyed. The process was suppose to take approx 30 days. I was told the 30 days starts from the date they receive the last record from the vet. After two months I received a policy that excluded my dog from any kind of cancer because she had a benign cyst removed. The premium amount was over $100 a month which was outrageous for excluding cancer. I went to Nationwide Pet insurance. They also excluded her but for a cyst if it showed up in the same spot. They did not exclude her from any future cancer. In fact, I was told to call back in six months and they will review her records and if she had no issues they will remove that exclusion. My dog has unlimited coverage that now covers everything with Nationwide. Embrace took way too long to review her records and excluded her for any future cancer. That was a very big deal to me since my dog is only 1 year old.

It is the worst pet insurance on the market, this is a review from November 2024, they will never reimburse you for the invoices, they are a scam company, even the banks are suggesting you cancel since their accounts are always at zero

They adjudicated the claim fast which was great but didn’t explain what they were paying for and what they weren’t. Very vague saying I didn’t have enough coverage. I asked for more clarity but never heard back.

My dog is now 11 years old. My insurance started at about $900/ year which I got when oliver was 3 months old. I've had 2 or 3 claims over the years which wasn't even fully covered even though I had 100percent then. They have since reduced my coverage to 90 percent, increased deductible, removed the death benefit I had and drastically increased prices. The last price increase I was told about was up to $2400/year. And this year I just noticed the increase again to $3925/year. I wish I would have noticed it 6 months ago as the last 2 payments went unnoticed as I wasn't looking at my credit card statement close enough. $4000 per year is rediculous. I guess that's how they get you to cancel when your dog is older.

Policy is not as transparent as I hoped it would be, because after being a policy holder for over a year I ask about upgrading my Wellinses potion and the agent could not give me a straight answer, because when I asked about the upgrade he said it would cost me an extra $200 before my current policy was due for renewing in 2 months, but if I wait two months it would be about $50. That seem to be Horribly HIGH for just two months and especially if my dog had no more Vet visit. So I been thinking about shopping around, but I might still stay and just wait the 2 months Loyalty so current policy holders don't mean anything!!

I took her on for an ear infection and she was also found to have allergies and you denied the claim stating allergies aren’t covered and it was a preexisting condition which that was the first time I was told about allergies.

Terrible experience - they doubled our monthly premium after one year and automatically denied every claim based on a pre-existing condition even when there is clearly no connection between the two (even after our vet wrote an appeal letter). Their claims adjusters have little medical knowledge and it became clear after a while that their MO is to deny every claim regardless so you have to spend all your time and energy to appeal. You're better off self insuring than give your money to this company.

I had a bad experience with this company, I brang my dog to the doctors , I submitted my documentation for refunds for my visit to the veterinary , we pay around 4,000.00 in visits they never refund a penny , I submitted documentation every time they send me emails that they missing something , doctors give me all documents and still never send me no money back , I don’t recommend this company for your pets.

I was with HealthyPaws for 12 years. I canceled my policy when they jacked up my premium from $50 a month to $90 a month and refused to work with me on price. STEER CLEAR. They were a decent company 12 years ago but they are greedy and not at all customer-oriented now.