The Embrace program, benefits and costs were remarkable! Trying to get the vet notes, medical records, and claims over to the review people were terrible! No one would make it easy to get the records to them, therefore they don't have to pay any claims! The vet emailed, faxed, and called but Embrace said they have no records that any of that occurred. I emailed twice and called 3 times and they said they didn't have records of those either. Finally talked with the salesperson that had us email her directly and she took care of the problem. The email addresses and fax numbers were correct and she couldn't figure out why the computer wouldn't accept the previous attempts. I quit Embrace after that! I do not recommend this company! It took one month and a lot of hassel to resolve this issue.

Starting the process was easy however I kept receiving an error message in the diagnosis section. I was trying to write what was on the paperwork I receive from the vet.

First claim was easy, her first set of shots. This one which was for a $550.00 emergency service has yet to be resolved since 6/14. Horrible customer service by a gentleman I spoke with when I called. Listening should be a key component of service not arguing. This procedure was performed by an emergency clinic but they are still asking for records from the primary. All paperwork has been submitted numerous times diagnosis with detailed info, what procedure was performed and invoice, but still no resolution. A waste of time and energy for $45.00. I never write bad reviews but will end up cancelling my policy. Really disappointed. This claim has lasted longer than a month.

If I would leave this review when I first started using Dutch, I would’ve given it four stars. The vets that I was seeing were awesome, kind and very knowledgeable. jumping to currently, Dutch has gone downhill. I had to pay to get a prescription transferred to my local Costco. The five dollars wasn’t a problem. The fact that it took almost 6 weeks to get it sent over after I paid, I also requested the prescription be chewable and it wasn’t. When I contacted the help line, they stated that since I had one filled I had to go through the whole process of messaging the veterinarian and scheduling another appointment to get it changed. After I complained about this, I went to the website to see if it was corrected, and my membership was canceled. The way this business is run makes me take pause on the care of my fur family.

This is worse pet insurance you ever can get be aware the make a problem for everything plus you have to pay in front of your packet after that they don’t pay you back make a problem ! I will never get something like this i cancel the policy right away very bad company!

Purchased plan 3 weeks prior to pet required vet visit due to respiratory infection and arthritis inflammation treatment. Representative advised me vet visits would be covered. Vet examination, xray, and 3 medications. Cost was 544.49. And Nationwide covered 0 cost, nothing. Greatly disappointed buyers beware!

This company does not know the true cost of anything they are supposedly insuring. For example, the $1,200 dental procedure . . . paid out $190. Or his $300 flea/tick/heartworm meds paid out $150. I should be grateful that they even paid anything, I suppose. They deny claims left and right based on facts that are not true; for example, my dog was never diagnosed officially with allergies, but because I asked my vet ONCE and TWO YEARS before a claim I filed for an ear infection, they denied the claim for the antibiotics to fix the infection on the grounds that allergies caused the infection and therefore it was a pre-existing condition.

Web site navigation to items covered and items excluded is difficult. Exclusion lists have sub pages that do not complete rendering and leave bottom half of page not accessible.

Rates keep going up and when you file a claim there is no response. No reimbursment, only excuses. That is why I rather just save the money for when I need to take my boy to the vet.

Beware of Duplicate Billing and Unresponsive Support