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!

If you’re going to require a call in order to cancel a policy; something that can be easily accomplished through a button in the app, you should be willing to staff your call center. Customer service has been ridiculously bad and the coverage is not good for what they charge.

This insurance company is a scam. My pet was scheduled for a dental cleaning. However, the vet discovered he had severe gingivitis when prepping him for the cleaning and he needed 16 teeth pulled. Filed a claim with Embrace and it was our first claim ever with this company ever since we insured the pet 4 years ago. Every year the policy price keeps climbing, but they outright denied our 2k dental bill because they blamed the vet for only coded the bill as “wellness”. I asked customer service on the phone why the claim was denied, and Cassie told me I should go blame my vet because they refused to break down the bill on how much of it was dental cleaning. I asked Cassie how much cleaning does she think my pet needed done when he had 16 teeth pulled. And she kept telling me there is nothing they can do and to call the vet. Do not recommend.

Please know, I am committed to giving my precious Emi the best possible medical care and so (in the end) have no regrets. I submitted the particular invoice to Nationwide for the recent visit and tests completed by the Nevada Vet Cardiologist (first time) which amounted to a cost of $1000.00.

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.

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.

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.

UPDATE: The insurance got back to me and is making things as seamless as they can during this loss I appreciate their cooperation I do think they need to work on phone responses but over all I value their empathy and compassion during these situations. Thank you embrace.

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.

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.