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Greatly appreciate the quick turn around on my claim for Max. The process has been very nice!! Thank you.

Embrace has been wonderful to deal with through the entire process, from choosing a pet insurance carrier to filing a claim. We did the orthopedic exam waiver and chart review when we got the insurance . When I filed a claim for an orthopedic issue 10 months after getting insurance it was covered. Our vet sent in the claim forms and about 1 week later I received an email saying it was covered and a check was in the mail. Thanks Embrace!

I paid for almost a year and just filled one claim and they didn't pay nothing for my claim. Don't do this insurance. They just want to get your money.

My dog, teddy, was very ill after ingesting something he shouldn’t have. He required several days at the vet Hospital, surgery, and medication. ASPCA was able to cover most of it. They called to check on his health which they didn’t have to. I appreciate it so much. I am more at ease because I know my other 3 pets are in good care.

Terrible company. Buyer beware. I wasted $300 in premiums and they never reimbursed me for a single vet visit or service. Their tactic is to send letters that say that they need MORE info. from the vet to determine the repayment. They hassled my vet for months while I paid premiums to the tune of $40 a month for the "premium" plan. Finally, after seven months of this, they sent me a notice that my cat wasn't eligible for a single service reimbursement. When I cancelled over the phone, the person on the line was all too familiar with the policy and told me to expect a check or repayment for my monthly pre-paid deposit. Four days later I receive a letter that stated that they would need 30 days to "review" my cancellation. In other words, they want to mop up that month's premium payment too. I'm reporting them to the Better Business Bureau. Advice to those considering Nationwide: review the top rated pet insurers. They are nowhere near that list. I wish I had. I would have the $300 I wasted on this company to buy food and vet bills for my cat.

There is a significant amount of work I've had to do to get our claims paid. But they have eventually been paid. However, they had the wrong birthdate of our pet (despite having ever vet record she has) and have put holds on our claims without telling us. It took me 4 phone calls to discover that. Once I did, they were able to fix it. But it's been equivalent to a part-time job to keep on top of all of this. But -we have had a lot of claims so we're grateful for the financial help they provide.

I have had a very good experience with Embrace. They have been responsive and sensitive. I recommend them

This insurer promises not to hike premiums due to claims, which sets it apart from all the others.

You have always been top notch

They didn't cover a single claim that we submitted and often denied under the pretext of a "preexisting condition", even though none of the claims were related to any such condition. I would highly recommend going elsewhere for your pet's coverage needs.