My coverage was dropped 40% due to "discontinuing my current plan" that I have had for years. I was told the plan had subscribed to didn't exist anymore and I couldn't be grandfathered in and no other plans existed unless I cancelled and reapplied in which I would be denied coverage due to pre-existing conditions. I did add another dog to my plan before I found this out, and she is on a different plan with 30% more coverage than my dog, who was just dropped by 40% coverage. So another plan does exist, but I'm not eligible for it even though it's still less than the plan I was on for years. I used to recommend Nationwide to all of my animal contacts and through my network of training, rescue, adoption, Veterinary, grooming and shelter clients.

I had two claims to submit. The first one was simple and I would rate the proccess a 5 star. The second invoice was more difficult because I was unable to find the diagnosis in the drop down menu. It then states if you can't find the diagnosis put it in the description box. When I tried to submit it said unable to process the claim. So I picked one from the drop down menu that was the closest and included the description of the diagnosis in the box. I was able to submit it but unsure if it will be processed. I will wait and see.

I used to suggest Embrace to all my friends. Not anymore. They’ve increased my premium from roughly $760 per year for two cats ( 1k deductible, 90% with 15k max payout) to $2000 per year. My cat’s age one is 7 the other is 8. Inflation is their only reason. I can only lower my deductible %. I have no choice but try to keep up. This pet premium is the least payout and its even more than my mortgage insurance per year. I am stuck here. If I switch or up my plan all previous claim will become pre existing condition. This is unethical. On the other hand I do love their customer service but this is unbelievable.

I am an older person. I have used your insurance for 3 generations of dogs. Never a problem until now. Now your company is less friendly in the way you handle claims. I don’t own a working printer. This means, I couldn’t use the claim form on your web site. WHY do you not allow me to fill out the form on line and send it.. This poor management for what has always been a good and thoughtful company. IT also meant that the person who worked with me also emailed the form to me to fill out. Again, I don’t havre a printer. I can’t use those forms. And why didn’t you train your customer service person offer a printed copy of your claim. So all I mailed to you was the invoice from my vet. Please call me to straighten out this no printer problem or mail the forms to me, and allow my claim go through. I”m very disappointed with your new shiny system. And I could tell that you have shorted the length of discussions that your people had to work with me. Embrace has always been a warm insurance company particularly since it is expensive. Thank you for your service.

- My personal information (email address) did not update. - The website is not very friendly. Building a coverage plan is very complicated, especially when trying to get identical coverage on a 2nd pet to our already covered 1st pet. - The only way I could get a cheaper price ("save money on a 2nd pet") was to go with lesser coverage for the second pet. When I tried to get the same coverage as the first pet the cost for the 2nd pet was more expensive and the 2nd pet is younger and smaller than the first pet (seems counter intuitive). - I couldn't find a way to add more or subtract coverage from one or the other pet once the application for the 2nd pet was accepted. - It took 4 times completing the information and clicking Submit before I received the acknowledgement email (at the old email address) that the 2nd pet application was accepted.

Get a little frustrated we have to keep sending records they have from years ago over and over. They HAVE THEM! Why do we have to keep giving you old information over and over and over again??????

Very deceptive in its practices when you sign up

This is a terrible company, they do not remburse you for any pet care, I should have quit using them much earlier instead of losing money paying their premiums.

I asked to have grants name changed to haze so pls do it as I asked. I don't want the eobs denied because of name change...ty

Wow! On top of already exorbitant rates, I just got notice they will be raising my pets' policies by OVER DOUBLE! I have had them for years (since PetPlan), with just a few minor claims which didn't pay out much. This is absolutely ridiculous - paying more for my cats' insurance than my husband's and mine combined. Sad to think I've kept them so long. Guess I will go the route of many others and just set up a savings account for my fur-babies - wish I had done that 5 years ago. Would definitely NOT recommend.