Misleading in full coverage benefits, and when you try to cancel full coverage, they do not give you the option to do so.

Poor clarity of coverage on website. Misleads customer into believing routine or preventative vet visits would be covered. Customer support staff is not sensitive or understanding of customer’s perspective. Generally just a difficult and misguided experience.

DO NOT EVER GET THIS INSURANCE THE ABSOLUTE WORSE! HAD SUCH A HORRIBLE EXPERIENCE. APPLIED FOR PET INSURANCE MAR 3 AND THEY CLAIMED IT WAS "APPROVED" BUT THEN SENT AN EMAIL SAYING MEDICAL REVIEWERS NEED TO REVIEW HIS BARE MINIMUM HEALTH HISTORY (HEALTHY DOG) AND THAT COVERAGE HASNT STARTED TOOK THEM 2-3 WEEKS BEFORE STARTING COVERAGE SO COULDNT GET 1 OF HIS HEALTHY APPTS COVERED. THEN ONCE THEY ACCEPTED IT NOTHING WAS SENT OUT. TRIED TO CREATE AND ACCESS AN ONLINE WEB PORTAL AND COULD NOT AGTER MULTIPLE ATTEMPTS. AT THE TIME I COULDNT LOCATE A PHONE NUMBER OR CONTACT US FORM AND WAS IN THE PROCESS OF MOVING. NEVER COULD FILE A CLAIM OR ACCESS ANYTHING. THEY HAVE KNOWN PROBLEMS CREATING ONLINE ACCESS WHICH I FEEL LIKE THEY DO INTENTIONALLY. ALL THE WHILE I PAID A DEPOSIT AND WAS GETTING MONEY TAKEN OUT FOR 3 MONTHS. I finally contacted my bank to stop payments because I couldn't figure out how to terminate the insurance. I asked for a refund because they stated if the insurance hasn't been used then you may be able to be refunded they switched it to say Marylands says you only have 10 days from "approval" which doesn't make sense because coverage doesn't start until 14+ days later. I was with Pet Embrace for 3 years and never had 1 issue like this. Their customer service was absolutely rude and said "well I pay auto insurance and I'm never credited back even though I'm not in accident" which is not the same type of situation. You get pet insurance to cover their wellness expenses it's more of a form of Healthcare than it is for a car. Save yourself the time DO NOT sign up for their Insurance go someplace else. Their coverage isn't even that great to begin with. If the pet insurance is this bad I can't imagine how any of their other insurance is.

i was reading that both my cats would be billed toghter. then when i looked at the two emails i got they said billed seperatly? so what is it?

I decided to go with Lemonade for my dog's pet insurance. I chose a deductible and a percentage of reimbursement. When it came time, the first time, to get reimbursed, I was amazed to find out that I would not be reimbursed for any examination. In other words, I knew I would not be reimbursed for routine wellness exams, like once a year; however, if my dog were sick, or in an accident, of course the first treatment would be the examination. If the examination is not included, then what exactly are we being reimbursed for?? I find this absolutely mind-boggling, almost like as a policy holder I have been completely cheated! Stay clear of this pet insurance!

I insured my dog and cat for 12 years with Nationwide. I regret that I did. It was a waste of money. I never made a claim for the cat, but the dog had several surgeries after she turned 10. She had three benign tumors removed. Then she developed lymphoma and had a fourth surgery. Her ultimate, fatal condition was a trigeminal nerve sheaf tumor, which was inoperable. She died August 1. I paid them thousands of dollars over the years. Between $15,000-20,000 for the two animals. The reimbursements were a small fraction of my costs for care. At one point, she had a tumor removed from her eyelid. The bill: $3,500. The reimbursement: about $700. What's the point of paying for insurance when the coverage is so miniscule? I would have saved thousands of dollars by having no insurance at all.

It’s an absolute scam!!! We submitted a claim for my dog that was in the animal hospital for 10 days due to Addisons. She wasn’t diagnosed with it before our claim on 7/22 before. My dog went to the vet in January,( 6 months) before because she had gastritis. They saw she was vomiting and elevated pancreatic enzymes and denied our claim due to related symptoms. My dog received a bad batch of dog food, was even tested and came back with issues, totally unrelated to Addisons. I guess my dog can never vomit again at the animal hospital or whatever she has will be denied. Do not get pet insurance through these crooks!!!

What ever pain your pet have, they call it new “ ‘condition’ not to pay, Pain is not a condition, is temporary.

Not many regrets in life, but using Embrace is one of them. Since my dog had a bit of food intolerance/allergy when he was little they’ve claimed anything gastrointestinal is a pre-existing condition that they won’t cover. Now faced with the prospect of stomach cancer at age 10 and Embrace won’t even consider scans as something that would qualify. Paid thousands to this company over the years and have never had a single cent back. My vet is even shocked about what they are claiming and using as an excuse.

this company was great when I first started using them. now they are getting greedy and increasing my premium over 20% more than the year prior. when I try to sign up a new pet with this company the rate is the same as what I am currently paying. They are arbitrarily raising my premium with no cause. They have been extremely slow to reply when reaching out for additional explanations. Look elsewhere for a pet insurance company.