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My Newfoundland and a recent ACL surgery and my veterinarian service downloaded the forms for embrace submitted them to embrace and within a very short period of time I received my reimbursement check for this service. Everything went smooth as expected both for my Newfie and me. Thanx Embrace for exceeding my expectations.

I purchased Embrace insurance after our oldest dog tore her ACL last summer. Obviously, wish I had purchased it earlier since that was not covered nor was the 2nd ACL that she tore. :-( Needless to say that I've been very pleased with Embrace since it has covered a number of things on all three of our dogs in the last year and will be renewing. There were so many pet insurance companies to chose from but am very happy with Embrace. Normally, the claims are handled very quickly so not sure why this particular claim took longer to process.

My bulldog lived a happy and healthy life for 4 years. I've had Embrace since the week we adopted him. At four years old he came down with a vicious infection that has ravished his poor little beefy body. Thanks to Embrace I've been able to do what needed to be done to get him healthy again. It's been a long road but Embrace has been there with me every step of the way. Every person I've worked with has been nothing short of wonderful, every claim covered with no questions asked. Getting Embrace insurance was the best decision I've ever made. Worth every penny.

My dog had a growth removed from his nose May 18th. Our vet submitted paperwork the same day, which shows as being received on the petsecure website May 18 also.The bill was for 648.00. As of June 20th our claim is still "pending adjustment". I have talked to them twice and they have said they need to review our dog's medical records....this process is supposed to take 7-10 business days according to their site. Not the case....still waiting

Embrace Insurance Co has been fantastic in helping care for our Sheltie. They process claims quickly as well as issue checks, when appropriate, without delay. They are available by phone or email to discuss questions about policy, wellness, or give support. We HIGHLY recommend them, and we have. Our nephew has also been pleased with his Embrace policy for his German Shepherd.

I have sent the necessary documentation several times I get the same response. I have called several times and get the run around about why my claims are not being paid even though the customer service representative assures me that they will be. This has been a sham and I am angry that USAA would recommend such a lousy service to members. Perhaps I am the one bad experience here but something tells me I am not. If you are shopping for pet insurance, I would keep on shopping past Embrace.

Our Bichon Frise had bladder stones and required surgery. ASPCA reimbursed us for the surgery costs (minus the deductible) in a prompt hassle-free manner. The ASPCA pet insurance program fulfilled our expectations totally.

I have had pets my whole life and never had insurance for them. Very happy I got this for both my cats. Staff was very helpful on the phone, as I have eye issues and need a bit of help with the claim forms. Just received my reimbursement for an issue for one of my boys, and it was processed quickly. Confident Trupanion will be there for me should I need them again.

I have had pets my whole life and never had insurance for them. Very happy I got this for both my cats. Staff was very helpful on the phone, as I have eye issues and need a bit of help with the claim forms. Just received my reimbursement for an issue for one of my boys, and it was processed quickly. Confident Trupanion will be there for me should I need them again.

Take the money you would pay monthly for this insurance and put it in a savings account for your pet - you will be much better served (my vet suggested this when I first got the policy. I should have listened). I obtained this insurance for my dog when he was about a year and a half old. He did have a couple of pre-existing conditions for which I did not expect coverage (torn ACL in back leg and food allergies). I had this insurance for 3 1/2 years and Nationwide/VPI has declined both claims I have made for my dogs veterinary needs to one of the two pre-existing issues (yes, my dog is quite healthy and I have made only two claims). As a side note, when you want to dispute a claim, they make it incredibly hard and time consuming to do so. Most recently, I received notification from Nationwide two months ago informing me that my payment option was expiring (credit card) and that if I did not update the information, my policy would lapse. I purposely did not update the information because I had decided I did not want the policy anymore (no payment was taken in April as expected.) Nationwide somehow found a way around the need for my updated information and began charging me again in May and June. I discovered the payments just after the June payment was deducted (the new charge had a 30% increase as well!) I immediately called them to find out how this happened and ask for a refund. The customer service representative simply said that they kept re-submitting the charge until the bank finally accepted it. I then explained that based on the information they sent me, I purposely did not update my information because I wanted the policy to lapse and I would like a refund. After a bunch of policy quoting and run around, I got no where except to have my policy cancelled as of today. If I want to attempt to receive a refund for the charges in May & June, I need to write a letter and provide supporting documentation to get it. This organization has demonstrated to me at each turn that the only thing that matters is the almighty dollar and they are going to do everything get and keep the money they received from their customers. I strongly, STRONGLY recommend that you do not choose this provider.