It took me multiple times to submit my claim. Your website kept saying there was an error and please call for customer service. It did it numerous times but then when I would click the back button it would show the page required to continue the claim. ANyway, it was finally annoying and frustrating until I was able to finally get the claim submitted. About 20 minutes of my time instead of 5 minutes...

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.

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

My cat was documented with an underlying condition that was not specified by my vet and they would not remove it.

Personally I think this insurance company is horrible we pay almost $900 a year and every time we submit a claim it's a partial payment due to a deductible a partial payment due to this is all we cover a partial payment because you can't have more than one ultrasound a year it's complete bull. I would look around and I would advise people looking to check into their declaration page because if your dog has an ongoing issue and you need two ultrasounds a year they pay one which is the most ridiculous thing I've ever heard would not recommend them

The company is a rip off. They promise that their rates pay per mile model is unique, most convenient, digitally accessible, however they are worse than even the worst in the market. They increased my car insurance in 6months by 56% on the rate/mile and another 44% on the base rate. It's very easy to get misled with their payment model, that charges you a fixed price and over that a ridiculously high pay/mile rate, both of which they can change anytime.

The worst pet insurance company

This Insurance Company is determined to reduce their numbers of elderly pets by raising their rates so high- from $66 to $208 a month on my cat that had the plan since 2020 and never cost them a cent so that they are literally not affordable. Also now 5 years later when my cat has arthritis , which could be considered pre- existing condition makes finding another reasonable plan impossible to find.

Avoid this Insurance company at all cost they are completely unresponsive to claims or update requests. They only thing they will ever respond to is issues with you paying your premium (go Figure). They made an arrangement with a previous insurance company Many Pet to gain their US customers and I can only describe this as fraud. Customers who were forced over from Many Pets had to accept the much worse policies forced on them or have any issue their pets had labeled pre-existing on another policy. Odie exploits this by completely ignoring claims from these customers as they have no other options so they will just keep taking money from them until they give up. I eagerly await the inevitable class action lawsuit against this company please do not insure your pet here as they have no future given their business practices

The Reimbursement turn around even with submitting all the details is AWFUL. I submitted a claim on 7/10 and got reimbursed incorrectly on 7/11 "due to a system failure." I called on 7/14 when I looked at the App and noticed the discrepancies on the reimbursement. I was told I shouldnt have even been reimbursed yet and that nobody else that submitted claims that day have been reviewed yet. She told me it would be reviewed by claims and get fixed within 3-5 days. I called back again after a few days and got some other lady who told me the same BS they tell everyone else "Claims take 5-10 buisness days but could take up to 30 days per our policy" couldn't give me a decent update just that it was sent back to claims for review. After 17 days go by I call back again and get the same BS answer above and no resolution. Mind you they have already reimbursed me previously for the same medication so why it takes this long to get reimbursed again is ridiculous. And the customer service is less then helpful and reads off their script. Better off going straight to management. I still have yet to receive a resolution or update as of August 5th...