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I was a customer with VIP insurance for years. Then, Nationwide took it over. They are terrible. They deny claims on the smallest pretext. For my latest claim, they denied coverage for a fecal exam that was necessary to determine why my dog had diarrhea. They claimed that "wellness" procedures are not covered under the policy. When I explained to them that this procedure was not done as part of a routine exam but was necessary to determine why he was sick, they would not budge. It's the most rediculous reasoning I've ever heard from an insurance company -- and I used to work for one. The total bill was $260, of which they paid $48. In the meantime, my premiums are over $900 a year. DON'T BUY THIS INSURANCE! You'd be better off saving money in an interest-bearing account and using it when your pet gets sick.

This insurance has been great so far, I've had other policies and shopped around and you cannot beat their service and price. I have had my newest member, our lovely little pup, for 6 months and she unfortunately gotten into something at the park which we then had to rush her to the emergency clinic at 8pm.. I submitted everything to PetsBest and received an email of the EOB within a week or so and I am just now waiting on my check. Every time I need help they are always so friendly and helpful.

Embrace is absolutely fantastic! I've had them since my dog was just a few months old and they've done an amazing job of covering him over the years. Unfortunately, my Boxer was recently diagnosed with a Mast Cell Tumor. I called Embrace and they expedited my claims so that I could afford to quickly cure my dog. Within just a few days of his surgery, I had over $2000 direct deposited into my account and he's fully cured of his illness. Throughout the process the Embrace team was amazing, followed up with me on my claims, and even double checked with me that the money was deposited into my account. I recommend it to every dog owner I meet!

No problem, Man. (or woman) U guys are great. I am only sorry that I have to use your services. I would much prefer to just pay my premium and have a healthy pet. I hope to achieve this again, sooner than later.

Claim was paid within a week. They paid 80 percent of everything. Money was in my account very fast. Awesome job

You have always settled my claims quickly, and your customer service reps have always been most friendly and helpful. Every time I've had a claim, my settlement has been extremely generous. I couldn't ask for more. I would highly recommend your insurance to anyone who loves their pet. You are the best! Thank you for being there. Yours truly, Daniel Price

The claim was handled in a very professional matter and quickly, Thank you

We have had our dog for almost nine years now, and purchased insurance right after getting him. About a week later, he ate a pin cushion (the cat was trying to kill her new brother) and had to have major surgery. The experience was the same that day as it was last month when Sue had to have his toe amputated: we did not worry about the money we had to spend because we were confident about his insurance. Since the amputation, we have discovered he had a fast moving cancer in that toe. If we had needed to wait to save for the surgery, he may have lost his foot or worse. The claims are easy to file, all correspondence is extremely professional, and the peace-of-mind is priceless! The older he gets, the higher the monthly premium, but the calmer I feel about my baby getting old.

Embrace has been top notch. Very helpful and speedy with replies and claims. Very straightforward with description of refunds. Would recommend to anyone who owns a pet.

Would/highly recommend to others