I never once filed a claim and yet they continued to hike my premium, getting to a blinding $100 bill this year.

Large annual increases in premiums - avg 36%/annum over 7 years. Fairly long waits for reimbursements. Claims denied if filed more than 90 days afterwards, even for monthly prescription refills. Mistakes on reimbursement amounts requiring multiple follow-ups.

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.

An absolute scam. My senior cat had a UTI this summer and an ER bill for $1300.

I have really struggled to get Embrace to understand I split my wellness bills from the vet into payments with the vet. I have had claims denied because the vet receipt to me says zero, but the charge was moved over to my installment, and they won't accept the installment because each payment to the installment doesn't have a wellness item attached to it. I send in both the zeroed out bill with costs, and the installment receipts, and still get denied.

None

This is a total SCAM. I filed 7 claims over the course of a year, and ALL of them were denied. I canceled the insurance and the confirmed that it was canceled and then continued charging my credit card. STAY AWAY!

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

I insured my dog and cat for 12 years with Nationwide. I regret that I did. It was a waste of money.

Couldn't just sign up for accident insurance. I don't know if that was my fault or that you can't just sign up for accident insurance.