You were the best but, you cancelled us

We were transferred over to Odie from ManyPets in Jan. And ever since then, it has been a nightmare working with Odie. The price doubled what we were paying with ManyPets and it isn't even the same services. Every claim we submit is delayed by WEEKS and we can barely get ahold of anyone for updates. Emails responses take 7-15 days for them to reply, and good luck getting an answer on the phone or a callback. They say delays are due to high volume of claims being submitted but I have had 3 other insurances for my dogs and NEVER experienced this. We would cancel if our dog did not have preexisting conditions that ManyPets said would be covered under Odie. Take your business elsewhere.

Easy to sign up and not at all straightforward to cancel policy. They will avoid notifying you at all in the hopes you forget about your recurring payments.

Very poor customer service and deceptive cancellation process. They refused to provide a refund of my renewal even though I had canceled on their site a month prior and provided them with proof of lease end. The small refund I did receive was not initially issued and I needed to reach out 3 times in order to resolve.

Substantial increases with no explanation, denying coverage claiming "pre-existing" conditions when that was not the case.

The claims process can be overly complicated. I submit claims and add info as requested "add to existing claim" but it often generates a new claim

I've been with Embrace for about 5 years now to insure my 2 cats, and at first it was great. Submitting claims is easy with a quick turn around time for reimbursement. But things changed over the years as one of my cats started getting older. At this point I am most likely going to have to cancel because their prices tripled. Insuring your cats health should not cost as much as a ridiculous monthly car payment and it might just make more sense pocketing that amount and saving it to pay out of pocket for any future visits. If you have any cats that are getting older with some on-going medical issues, don't be surprised if you end up paying $5000+ a year for Embrace. There needs to be some sort of laws in place for these insurance companies to prevent them from 3x-4x'ing their prices with nothing you can do about it.

I was surprised after the application process was completed to learn that I would need to obtain and submit 12 months of veterinary records for my pet to complete the underwriting process. While this is fine, this requirement should have been clearly communicated on the front end of the process. The perception is that the company wants to get potential customers started with a "simple" process only to disclose requirements once they have started the process. This does not leave a perception of 'honesty' with the customer and leaves one wondering what the experience might be if one engages with Nationwide for Pet Insurance.

We have 4 dogs,who rarely get sick, are not exposed to dog parks.

Not a great experience with them. Poor communication - not sure if I was communicating with a real person or AI. It was mostly canned reply and never address my questions or concerns. I hope they get better but I would not work with them again. Switch to a company with slightly higher rate but better service, communication and coverage.