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I have had Embrace Pet Insurance for my boy for the past 6 years. At one point I considered dropping the insurance because I was paying the premium but never used it. Well, let me just say I am so very thankful I didn't. Last year my boy became very sick and Embrace was with us 110%. They quickly provided pre-approval for costly testing, covered his expenses, and stayed in contact with me to see how he was doing. No better pet insurance out there!

In the 4+ years that we had Pets Best, we submitted two claims, both of which were denied. The second denial was the most egregious (which we appealed) as the reason for the denial was because they either intentionally or accidentally miscoded what our dog had oral surgery for, claiming that it was not covered. As both the original diagnosis paperwork AND the notes from the day of the surgery indicated that the teeth were extracted because they were cracked, and that all other teeth were in great shape, it was a surprise that the Explanation of Benefits listed "Periodontal Disease" and "teeth cleaning" as the reasons for the surgery. Lo and behold, neither of those are covered. What a surprise. But wait, what's this? If you read the full list of covered items, damaged teeth due to an accident ARE covered. Hmmm. I wonder why they misinterpreted the veterinary notes then? Currently under appeal, but considering that the cost of coverage for each of our three pets went up double digits every year, and that getting a claim covered has proven to be a pain in the ass, we have elected to create our own version of a Health Savings Account for the pets rather than waste money on insurance that is proving to be useless. Thank you for nothing, Pets Best. I encourage others to give serious thought to pet insurance before committing. And to be careful with Pets Best, despite the other "positive" reviews here. Seems unlikely that people have only had good experiences with them, doesn't it? Does ANYONE truly love their insurance? Question it, I say.

I am 100% satisfied which is a rarity.

I've been paying religiously since 2007 and rarely submit a claim. I submitted a claim for my dog that I spent $1900 to test for possible COPD and they did not honor their policy of pay back ANYTHING. They also gave me the lame excuse that if a pet is diagnosed with an illness one year, it wouldn't be covered the following year..so if you gave cancer one year, your sour out of luck the next year.

We've been a client for close to 9 years. They are absolutely amazing. Quick to pay claims, quick to answer questions. 99% of all claims submitted have been paid.

I really only have one word: Superior! Embrace has really saved my dog’s life. Knowing that he is covered brings us a peace of mind that one cannot put a price on. Thank you, Embrace, for being there for our family!

Over all very satisfied,Paid my claims in a timely matter. Tucker doing well after getting a bad electric shock and burning his mouth even though his lip will never be like it was.

First things first: For me and my pup they have been amazing! Everyone I ran into (live in a very friendly dog community/island) I recommended Nationwide pet insurance. It is easy with the app to submit claims. Very friendly when I needed to call. Only reason why I am giving them a 9 is because I did recommend to my mom in Pennsylvania and she told me that her policy does not cover spade and a few other things that mine did. She is going to probably drop them and get something the vet offers. She has the pet plus policy. Wish it would have worked out as well for her as me. Now I am not sure to recommend. I will still explain my great experience but will say to read the policy in full detail. Thank you Nationwide for helping me keep my puppy healthy. She is my family <3

Nationwide is providing excellent service and processes the claims timely without any issues

Very happy with the coverage, ease of use, automatic deposit of payment, helpful people. The initial claim took a while to process but I understand that they needed more information, which is fair. I would definitely recommend this insurance to most: that said, if your pet does have a significant/major pre-existing condition (which mine didnt), that condition likely would not be covered, so you should consider that in your choice. Nationwide's website states what is covered and what isnt, so there are no surprises.