I have held a nationwide pet insurance policy since 2019, all was great until a couple weeks ago. When I had an emergency with my Labrador that unfortunately ended in goodbyes. I had discovered that the policy was canceled due to an expired debit card. I never once received any notification from their billing department via mail, phone or email. We are now stuck paying an insane amount out of pocket. In an attempt to reinsure my remaining pet, I rushed to reapply. To my surprise, Im receiving email and letter notifications with these time sensitive requests. Clearly something has changed on their end. The lack of communication almost seems intentional. If youre thinking about utilizing Nationwide for anything, DONT. I will not trust them with our business, our policies or out pets ever again.

After I got my quote, I had to try several times to enroll my pet. I don't know if there was an issue with the system itself, but I would enter my info again and again and the actual enrollment section or button wouldn't appear. After quite a few tries and days, the system finally took my info and completed the enrollment process.

Negatives include: that you raise my rates every opportunity you get. You charge my full deductible for every single bump that's removed from my dog - claiming they're different types of bumps. Outrageous. A mass removal is a mass removal and should be categorized as such. While I'm grateful to get some money back on some claims (not all), I question whether paying the monthly rate plus my deductible plus getting zero reimbursement for exams, medicine, or taxes is really worth it.

Even tho the vet techs know the system to connect with you , the steps seem never ending. I've given up on email or iPhone for submitting invoices, just mail them.

I've had embrace pet insurance for years. Never had a claim...never missed a payment. Rates started going up, $80 became $130...terrible..everything's going up..I get it... my dog is now getting older now and they just increase his coverage to $336 a month, if I change to lowest coverage its $160 a month for basically no coverage. Pricing my dog out of care. They know what they just did, that's why they sent me a letter saying what they did is legal in the state of Colorado. STAY AWAY FROM THIS COMPANY Please read the lies they sent me as a reply before you sign up for this company, because thats what you will get if you give them money, LIES

My Pet has been with Embrace since he was born and their service has always been a five star experience. Up until I had a claim from 2023 that I realized I never submitted due to ongoing hospitalizations, having two strokes and now I suffer from seizures. When asked if they could please make an exception, the representative placed me on hold for several minutes to ask a manager. I was then asked if I had other claims I planned to submit and I said yes (2) . Due to a recent dental surgery my baby needed. He had abscess, bloody stools etc. She then placed me on hold again, came back and said they would not honor the old claim. I was full of disappointment because I have not submitted any claims since 2021. My plan increases from paying 54, 70 and now to over 120. I just told over the phone I hope you feel better. I just don’t understand where the compassion within this conversation was and ended. I’ve been in the Healthcare industry for over 25 years and I would do everything in my power to help a patient and within the community.

Embrace is great. I love that I am a member for 15 or more years. Very good to us. Yesterday though was the first time someone said they were going to send me a spread sheet of my dogs, Lexi, Jake, and Kings charges( how much did we spend on each dog). I told him that we need an idea of the charges to make an informed decision on picking a new policy. I have not received this spread sheet. This is the first time this has happened. I was being encouraged to maintain the 10000 reimbursement when I am trying to decide on the pricing. The amt has gone up and I need to review my option I was hoping for someone to help me with this issue. No help and no spread sheet. I have been a member for a long time. This time it was a little different than what I expected. Thank you Elizabeth Bandomer PS I still want the spread sheet

I filed a claim for my 17 month old AmStaff. She had a skin infection and bumps all over her body. Not only did it take Pets Best a month to process the simple claim, but they also denied every single covered expense. Their reasoning?! They requested ALL of her medical records. Which is crazy because they HAVE all of her records. This was the first time she’s ever been ill. Don’t recommend them at all!!

Normally I have no problems with my claims however I was unable to submit the claim through the regular channels and had to send the information email. I have been asked numerous times fir the diagnosis for this claim for Boo and have replied. I have now just resulted the entire thing because now the suit claim process is working which unfortunately is not always the case. I hope my resubmission helps

Paid premiums religiously. When my cat needed diagnostics, I got a masterclass in insurance bad faith instead of coverage. What happened: - Entire diagnostic workup denied under blanket "pre-existing thyroid" excuse - No breakdown of what was actually denied vs. covered - Unrelated imaging and consultations were lumped into the rejection - Second claim delayed for weeks as "pending medical history" despite records already on file - Forced my vet to re-send identical documentation they already had The punchline: When my vet asked for claim itemization, Embrace went silent. Their "appeals process"? Make the veterinarian write a letter that goes back to the same underwriter who denied it initially. Translation: You're not buying pet insurance. You're funding an elaborate claim denial operation with a fake appeals process designed to exhaust you into giving up. Save your money. This company sells protection, but delivers a professional runaround when you actually need them. UPDATE: 9/8/25 My response to Embrace’s public statement: Embrace says they’re “upfront” about coverage and that pre-existing conditions are “determined directly from the notes provided to us from your veterinarian.” That is not true in my case. My veterinarian emailed Embrace directly and pressed them for itemization of which charges were being denied, the dates of those charges, and the justification for tying them to hyperthyroidism. Embrace ignored her request and issued blanket denials anyway. If Embrace were truly using the vet’s notes as they claim, they would have answered my vet's questions instead of dodging them. This shows Embrace is not being transparent with policyholders or veterinarians, despite what they write in their template replies.