So far since I made the switch to Embrace I haven’t been impressed. The first time I submitted a claim I was getting emailed to explain the issue and my vet had to explain and send in history. My other insurances never was this hard to make a claim. My pay was usually deposited in 72hours. I’m now starting to wonder if I made a mistake by switching.

This company is a rip off. I sent four years of vet. Bills and talked to three different people. Every time I called they had a different excuse for not paying me. The Vet. And I both sent records. Now they are saying they need proof I paid the bills. Do you know any Vet, that would continue to treat your dog for 4 years if you’re not paying at time of service? I don’t! So I asked if the Vet. could send something saying I don’t owe them a dime but still not good enough. DO NOT WASTE YOUR MONEY WITH THIS HORRIBLE COMPANY!

Horrible. Would not cover a single penny of the expenses for my dog's cancer treatments for the most ridiculous reasons. Stay clear of this place!

Thinking i would make a claim for accidental tv damage which i did well don't bother!

We've been paying them hundreds of dollers for years, for the first time we submitted a claim and they made it so inherently difficult to process. they keep requesting documents that are un needed and delaying the process. and then a 300 doller claim for an emergency visit we receieved 13 dollers for, and our second claim of 800 is still on hold because they keep putting it as "held" for no reason. saying they dont have vet documents when our pets have NEVER been sick and we set up an account with all the documents. absolutely useless service, we have wasted thousands on it.

DO NOT EVER USE NATIONWIDE FOR ANYTHING ESPECIALLY PET INSURANCE!!! Garret has pet insurance with them through his job and we just got notice that they are canceling the policy for our dog and cat on December 1st due to "rising cost" and "inflation". I will never use them again and never ever recommend them to anyone and I urge anyone that has them to switch.

I have taken THREE of their questionnaires and each returning letter is dated the exact same date as the first one. DO NOT USE WAGGY - they will take your money, not deliver proper dated letters and you will NOT receive a refund.

Seriously horrible. They not only wouldn't cancel our insurance when asked but refused to cancel it after our poor puppy was tragically killed. These folks should be in jail.

Not trustworthy. Do not consider it insurance, more just a discount plan. They never pay their full share, and usually delay any partial payments well beyond what is normal or customary. Not sure how I didn't read the reviews before getting into a policy.

You were a great company. But when a company jumps from $600/yr to $1200, that's robbery. And one of my cats has never taken a cent from you. Never used up his deductible. The other cat was sick but - for the healthy one - I interviewed other companies that offer exactly what you do and they were $430 approx. So there is absolutely no good reason to stay with you. Unfortunately, my sick cat will have to stay because of his exiting conditions. But I would never bring a new cat to you. There is one company that with take pre-existing conditions at a great price but the first year you must go without any coverage for the pre-existing - and then you can get all the benefits.