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I think that examination fees should be included as part of the claim if it turns out to be legitimate/treatment required.

I have two dogs, Buddy and Holly. When I first rescued Holly she was sick every week with one thing or another. ASPCA insurance helped me out with her vet bills which were costly. She is now a happy and healthy dog. Buddy has been having some problems with his pancreas levels and ASPCA has been helping me out with his blood work vet bills. I would recommend them as I have been with them for over 8 years

Embrace policy was about 4 years old when Gracie got pneumonia, Embrace covered everything then she developed osteoarthritis and Embrace stepped up and covered a treatment that was expensive. First class company that delivers in their promise.

My dog, Lady Bird had been insured by another company and uploading documents was impossible. There were constant error messages! While I never filed a claim in the 2 years that I had them, I also never uploaded any vet bills that may have offset the deductible because of the hassle. I contacted customer service regarding the issue, and when they suggested that I call them in the future instead of using their website, I switched pet insurance. Read great reviews for ASPCA so signed up in Feb. 2018. Of course, a little over a month later my dog was bitten at doggie daycare. Emergency surgery and 14 stitches and a large vet bill. What would have been a nightmare, if I had to deal with the other carrier, was amazingly smooth. Filed the claim and before the sutures have even been removed, the first invoice has been paid and directly deposited into my checking account. Phenomenal. I cannot recommend them enough!

ASPCA Pet Insurance has been a life saver. I am so grateful for all the support they have provided to me & my fur babies. I would recommend them to anyone.

Kayla was very professional and polite. I had a couple of questions, but forgot to ask but will call back when time allows.

I came to Embrace after a couple of years with another company. I love their wellness program. After several years it still seems too good to be true. Their claim handling process is flawless, and very fast. Will be a customer for years to come.

I have had nothing but positive interactions with NW. They have been exceptional in responding to my claims. I highly recommend NW for any pet owner seeking insurance for the pet

Jango, our 8-yr old Labradoodle required eye cataract surgery in one eye. The fee was about $2400 all of which was covered by Nationwide Pet Insurance (minus a small deductible) with absolutely no hassle and exactly as promised. They also covered the cost of expensive medications. We are very pleased that Nationwide came through just as they said they would, make the financial part of the experience a great relief. Jango is doing extremely well--handled the whole thig like a pro! Thanks, Nationwided.

Like everyone else who gets pet insurance , we hope we never have to use it . Unfortunately, our puppy needed surgery in his first year of life . Embrace coverage was as advertised ! No surprises and extremely responsive ... Very pleased and we would highly recommend Embrace to everyone .