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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.

It is a good ins. It pays will well.

My four-year old healthy Shih-poo and I were out for a walk on a beautiful Saturday. I had just picked up her waste and she was sitting next to me on her short leash waiting when from behind us, a large pit bull Labrador mix (I do not want to generalize on a particular breed, but that happened to be who attacked Lacy unprovoked) jumped on Lacy and pinned her down. It seems the owner had lost control when his dog spotted Lacy. The dog proceeded to bite into Lacy’s neck and shoulder. It was horrible and seemed forever until the owner could get his dog off of Lacy. I had to take Lacy to Saturday emergency vet hospital immediately. I called Embrace on Monday, my vet submitted the claim for me on Tuesday, my claim was approved by Thursday, and my reimbursement was in my bank on Friday. Wow! I have $200 deductible with 90% coverage and Embrace waived my deductible because I had never made a claim in 4 years. And the owner is covering my out-of-pocket costs. Please if you want a pet, think of them as a family member and get insurance for them starting as a healthy puppy. I totally recommend Embrace and other family members have done the same for their dogs. Thank you, Embrace. And Lacy is recovering. We are getting a protective vest for future walks just for some prevention.

Unfortunately we've had to use our pet insurance quite frequently recently. Embrace makes it easy to file a claim and their review is quick. Customer service has also been very helpful and pleasant.