We have had nationwide pet insurance for 10+ years. My dog was just diagnosed with a thyroid tumor. It costs 8K to remove the tumor and Nationwide will only pay $715!!! Please look at their Major Medical Plan Benefit Schedule before purchasing!!!!! They are criminals!

After being a customer for more than 16 years, I am leaving this insurance company. Over the years they have continually increased premiums, changed terms of services due to underwriter changes, etc. However, the last notice I received was that my premium was going to increase by $257 PER MONTH!! When I reached out to ask for specifics about this huge increase no one responded. I reached out again and got the "canned" response of "our monthly premiums increase based on the pets age, location and claims." I asked for more details and did not receive any. When I requested a report of my claims submitted and paid for the last plan year, I was denied. Additionally, they started denying claims for medications that they had previously pad on. When I pointed this out, they had no response. I will be switching to another insurance company that cares about their customers and pets.

Never covered anything. They stated an acute case of pneumonia from aspiration was a preexisting condition. Had 4 legitimate claiams all denied.

what a waste

Absolutely everything is a "pre-existing condition" even a tummy upset aka colitis. Wouldn't even apply the vet bill toward our annual deductible. This is the worst experience. You think you're doing the best for your pet and all you get is SCREWED.

Unbelievable, just setting up the account is a nightmare, I can't wait to see what happens when we need to file a claim! Caught in an endless loop of 'register your account,' then the screen saying the account's already registered (it isn't), then asking for the user name I had supposedly set-up--and getting an email saying my email (where they're sending me everything else) isn't registered to an account, so I should register--and it all happens again! Need a PERSON to contact me. Hope this experience gets better soon.

Worst experience ever. They used extremely flimsy claims of preexisting conditions to deny every single dollar that I sent in for reimbursement. Yes, literally every single dollar over an entire year of reimbursement claims were denied. Avoid like the plague. #freeluigi

Embrace was great for over a decade, with reasonable annual rate increases and painless claims, until about two years ago. That’s when they were bought by JAB and both my dogs’ rates suddenly doubled, even when adjusting for age. Embrace then began refusing every claim, pretending there was “no diagnosis code,” requiring five back-and-forths between me and my vet and Embrace before any payout was made. We now have preexisting conditions and it’s too late for us to switch carriers, so we are stuck with a plan almost expensive to use. I thought I was planning ahead responsibly for my dogs’ health in old age, and instead JAB and Embrace has ruined our finances. Zero stars.

The claim was not able to be processed and was told the bank rejected the deposit. Contacted the bank and was informed no document of check attempted to be deposit. It was disclosed a Spot employee must have entered the wrong number to deposit. 2 checks were supposed to be mailed on 03-06 and 03-11-25. To this day neither checks have arrived. After entering bank information subsequent claims were able to be deposited. Why can’t the first two be again direct deposit as it was NOT my error that the wrong information was submitted. Spot has done NOTHING to correct their error. Very dissatisfied

I booked an appointment to have my dog spayed. After reading the documentations I decided to get pet insurance in case anything should happen during surgery. The next day I got pet insurance with Trupanion and they had no issues taking $200 from me immediately. That night Around 8 PM my dog got the Zumiez and kept running back-and-forth jumping on and off the couch and her kneecap Dislocated and popped out of place. This Caused laxatated Patela and is classified as accidental. However after taking the $200 I find out that there is a waiting period. Five days for accidental and 30 days for illness. It seemed a little odd as I have already paid my premiums for the month and couldn't understand why I wouldn't be able to use them if I've already paid and my effective date started when I paid. However the company refused my claim and stated it is an illness and will now be classified as a pre-existing illness even though it happened after my start date of premiums and they will not cover anything going forward that has to do with my dogs knees.. this is the biggest insurance scam I have ever heard of. If I'm paying premiums for something that wasn't existent prior to me not having insurance, It should be covered. However after sharing this information with the insurance company they continue to argue saying it's an illness even though the medical vet said it's not an illness it's accidental. This company does have some pretty shady reviews however it seemed to be the only company that did direct billing so I thought I would give them the benefit of the doubt. However I would suggest saving your money and going with a better company. Because Trupanion just wants to take all your money and they don't wanna pay out anything When the time is needed. I have demanded a full refund of my money and to cancel premiums and I will never tell my friends or family with pets to go with this company. save your money!!