I've had my cat covered for 11 years and in that time my premiums have tripled without a single claim. She's been healthy the whole time and yet it went from $50 to $150 per month. Save your money and put your premiums in a savings account, at least then you'll have the money for your pet when needed and the savings account won't deny your claim based on some bs loophole they use to deny claims.

I don’t know what the point is of paying 40+ dollars a month for insurance when they deny all claims. I canceled. Too frustrating. What is the point?

I submitted my information online Pets Best online platform to get a quote and subsequently a policy for ACCIDENT ONLY insurance for my two dogs. I was quoted $9 per dog per month with a small discount for multiple pets. I noticed a charge on my credit card bill for over $450 from Pets Best only to find they switched me to an “Accident AND Illness Policy without my approval OR knowledge!!! I didn’t find this out until the second renewal!! They operate a bait & switch tactic on their platform!!

Nationwide Pet Insurance doubled the cost of my pet insurance from $90 per month to an astounding $183 per month and continued to charge my credit card on file, which I had only authorized only for $90 per month. A courtesy phone call would have been appreciated, especially when the cost increase is more than 50%. I called them and spoke to a manager. Unfortunately, no refund was offered. I was not even permitted to reduce my coverage to an affordable amount going forward, as they have a set renewal period for plan changes that has now passed. This latter issue is just a bad business practice, which will lose Nationwide customers and money. The executive who made this decision should reconsider their strategy, here is why: since I can't adjust my plan to match the $35 per month I pay for another pet, I've decided to cancel all my services. That's a loss of $35 per month for Nationwide starting today, and they will lose an additional $35 per month when I transfer my other pet, summing up to $70 per month. Nationwide will now have to invest in advertising to attract a new customer to replace me. It's disappointing that the company took advantage of my trust by charging my credit card excessively and compounded the issue by not allowing me as the customer to switch to more affordable plan. In the end, the company is losing revenue due to these policies, I can find insurance elsewhere.

Way too expensive and doesn’t pay for actual exam visit fees.

VERY DIFFICULT TO GET INFO TO LOAD

As a "loyal member of their pack," (their words, not mine) Embrace sent me my policy renewal with a 46% year over year increase in the premiums. We have made no claims. This is criminal. Over $1100/year for the bare minimum coverage. It is now more cost effective to put that money aside for the possibility of a bill. Sending anymore money to Embrace is akin to lighting my money on fire.

Very disappointing. This is the first time I've checked into pet insurance. I knew that my parrot's pre-existing condition would not be covered, but I was disappointed when Nationwide told me they would not cover any of his medical expenses.

Very unfortunate to have to write this review. Embrace Insurance's #1 job is to find ways to deny your insurance claim. Found this out the hard way. This shady business will find every single possible reason and scrape the scum of the earth to decline your insurance claim. I can't believe how unreasonable they are. I have never ever came close to getting any reimbursements despite working with our vet and their team, providing all documentations, AND even getting a formal letter from our vetenarian stating our cat's symptoms are unrelated to pre-existing conditions. They still denied us! Not even one reimbursement from the multiple treatments we had. These guys are nuts. Total scammers!! Beware!!

It’s a pain to file a claim…. It’s hard to get a hold of the vet for pet records..