When submitting a claim, the select provider box is unacceptably slow to respond

I see others have already written the harrowing reviews of Nationwides' new 2024-2025 Face! Nationwide basically is saying,"just put that old dog to sleep." I had great insurance for him for 10 years through Nationwide. But it was not clear once he turned 10 that the new policy doesn't cover office visits. Just accidents. By the way, bone caught in throat is not an accident. The new Nationwide policy offered allows me to pay premium, deductible and office visits.Oh, I do get flea/heart pills, but not even veteran visit. If you are taking him to the vet, it better be to put him to sleep, because that's covered. A vet's diagnosis/prognosis is not covered. So you better be a vet, or just put him to sleep because an educated owner is not welcomed at Nationwide. My dog was gagging at night. Vet prescribed Prilosec. It solved his issue almost immediately: after 3 days little occurrence, after 10 none. NONE! Vet did rule out cancer, esophoghus obstruction, and blood work. But according to Nationawide, I was not supposed to have taken him to the Vet. They would gladly have paid for me to put him to sleep, but not for the office visit. I understand the ex-ray & blood tests were not covered, but not even the office visit? So if he's limping, just put him to sleep! A vet could tell you if it's arthritis (not covered) or a broken bone (is covered.) But don't bother, just put him to sleep. He's old. That's the message. You can't go to the vet to find out what it is, and then decide. It's just "he's 10 and it's time for him to go." In the meantime, I left Nationwide, and went to Figo (Costco). Yes, I loaded up the coverage. But at least the vet visits are allowed and covered. The message at Figo appears not to be "just put the old guy down." It's more like, here are 3 plans. Choose the one that will give your dog a quality of life and will allow you to sleep in peace. Shame on you Nationwide!!! Shame on you! It's not about the money, it's about the decency, the products you are selling, the compassion that is non-existent.

I rescued another dog in 2024. Received no information so purchased MetLife Pet Insurance before any vet visits. Visits went to my deductible. My vet received vet notes from prior owner and I submitted everything. My vet recommended tests for an issue that cost $2488. MetLife let me pay down on my deductible but when this would go into reimbursement, MetLife denied the claim saying "pre-existing". They can, and will, claim anything expensive as pre-existing in order to not pay out.

I have had Fetch for a year and my renewal is coming up. I had claims for the first year that equaled less than 50% of the allowable amount that they will pay out when I received the renewal quote, my dog is only 2 years old. And they are jacking up my premium by around 58%. I'm OUT. I will say for the honeymoon first year they were great, claims processed in a timely manner. But, Buyer Beware, use it and they'll make you PAY.

Again - I give them 1 star only because I cannot give negative. They will respond here saying how sorry they are for me for my loss and how they care. THEY DON'T! Embrace denied euthanize claim based on my 15 year dog had a growth/wart and also had a tumor. They really claimed that a skin wart is a pre-existing condition for an internal tumor. I kid you not. They will take your monthly premiums and NOT pay any claims. My dog went fast - within 3 weeks from getting sick to passing. 3 Claims - all denied for "Pre-existing" issues. They will stretch and patch whatever they want and deny any claim for any reason. No they don't care about you like they will respond they do. Stay away from Embrace.. Trust me.. they care about money and not your pet or you. WARNING - EMBRACE denies claims if your dog's nose is "wet". Yes you are reading this correctly. Had to put my dog down of 15 years and EMBRACE denies the claim because my dog had "a cold and wet nose". Now - all dogs have cold and wet noses and 2 months prior to his passing the vet noted it and that it was a good thing. YET - Embrace denies the claim with a stretch link that a wet nose is a pre-existing condition causing the demise of any dog. I KID YOU NOT! DO NOT USE EMBRACE - EVER!!!!!

Just the worst ever. Charge a fortune, avoid paying anything. This insurer ought to be excluded from writing policies in most states due to unethical practices, excessive premiums, horrid customer service. Expect to pay a fortune, be treated like a criminal and never be reimbursed for anything. Go anywhere else for coverage for your beloved pet. Embrace will just rob you blind and leave you in the lurch.

Why am I paying for insurance if you don’t cover 70% as stated. You are a scam like most insurance companies. If there isn’t medical history as my cat was healthy for years, why is it necessary to have this? IT DOESNT EXIST!

I am appalled, I have never submitted an insurance claim for my pet in 16 years until this time. The claim was for $548 ad Embrace refunded my $22???? PLUS before they approved my claim they sent me my renewal cost for the new policy which has now doubled in price. It's time for me to look for another insurance company for my pet.

Awful to work with. Increased my premium 200% over two years. When I tried to cancel they still charged me. Horrible to get a hold of anyone. Would not recommend.

Completely unhelpful, insensitive and useless. Did not help my cat at all in a serious condition.