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Unfair review period
They offer a medical history review for pre-existing conditions and refunds within thirty days of purchase. What they don't make clear is that there is no way to complete the medical review in that time frame. On day thirty two, Embrace confirmed a long list of conditions they wouldn't cover, despite my request for review immediately after signing up, and refused the refund.
Insurer: Embrace
By: BH
Profit over Pets
My 6 year old Newfoundland required surgery which cost $4000 to repair a defect in his throat; Embrace denied the claim because he was once seen for a cough; calling laryngeal paralysis a pre existing condition. Now they want to increase my premiums in May; the anniversary of the policy.
Insurer: Embrace
By: oldsarge scouts out
A great company
Everyone I spoke with was extremely helpful and patient with my questions. I feel confident in my choice of Trupanion for my cat’s pet insurance needs.
Insurer: Trupanion
By: Martha
Thanks!
Terica Funes was very nice and helpful.
Insurer: Nationwide
By: customer
Horrible
Horrible. They take their time to process your claim. Customer Support doesn't care or help with your claim. They clearly offer 5 to 10 days to process claims but somewhere withing your policy it says 30 days, where you can't see it. To me they offer time frame that they are not in compliance with. Submitted my claim on 4/2/2025.
Insurer: MetLife
By: Ind Alpha
Avoid
Avoid! I've been with this company with two dogs for 7 and 8 years, dogs have been insured since about 4-6 months of age. No issues with small claims over the years, however premiums increase regularly, to the point where I had to cut back to high deductible (more emergency style coverage), verses low deductible in the past. Recently had dentals done on both dogs and the company is requesting essentially full medical records to process the claim "to see when the condition started". This seems a bit ridiculous given the dental are appropriate for age and the dogs have been insured through these fools pretty much their entire lives. I dread the idea of trying to fight these guys to get anything major covered as this has already been a huge hassle and really seems unnecessary for common age appropriate medical procedures. The kicker is their call center is somewhere in southwest Asia, I've called several times over the years and have found it near impossible to have a productive interaction. I stay with them due to preexisting medical conditions but am at the point of just cancelling because it feels like scam if they won't payout for valid claims. After the deductible it will be a few hundred dollars back to me - a big deal for me, probably not so much for them.
Insurer: Healthy Paws
By: Lindsay Burgner
Losing a furry family member is never easy
Losing a furry family member is never easy and having to deal with reimbursement of a claim during that makes it that much harder. I had to call several times to find out what exactly they needed for documentitaion that our pet passed. The wanted a diagnosis on his euthanasia. 3-4 calls later they finally realized there isn't one other than failure to thrive. It was heartbeaking having to retell our situation over and over.
Insurer: Pets Best
By: Witchy Krafting Mama
The person who returned my call didn't…
The person who returned my call didn't give me the correct information.
Insurer: Prudent Pet
By: bsadowskigmail.com
Belinda is fabulous
Belinda is fabulous. A star in a heaven of tiny stars. She took care of explaining not only my EOB but also my Policy!! She is your ambassador of Fetch, bar none. Belinda will be my goto person for EOB's and if not available i will wait until she returns my call. Thank you Belinda!!!!!!
Insurer: Fetch
By: Christopher George
No notification of cancelation
The USPS did not deliver the letter in December about policy changes, nor did I receive any further communication regarding the policy with a renewal date in April 4 months after the letter which was not in my mailbox. The policy was canceled without my knowledge or notification or warning of its cancellation. I have had my dog insured with them for 7 years and any conditions covered on previous policy will not be covered on new policy. There wasn’t even a choice to roll-over to the “new plan” the old policy was canceled and coverage starts new not covering any of the medical pre-existing conditions he had been covered on the policy for the last seven years. It’s unethical and a way out to no longer pay for my dog’s conditions they had previously covered under the policy plan they had eliminated. Premiums were always paid and except for this last year I hardly submitted any claims in the past 6 years. Just when I needed the coverage the most Nationwide made a loophole in terminating the plan my dog had and making me apply for a new plan so his illness would not be covered as they consider it pre-existing even though it existed while covered by Nationwide.
Insurer: Nationwide
By: customer