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my dog was dx with cancer and I am so glad I had coverage with Embrace insurance, they were easy to deal with and so helpful

I decided to enroll my new dog with Nationwide, because we did not had insurance for our previous dog and the cost of the veterinaries were very expensive. Even he was always under a vet care I honestly think if he had insurance he may had better medical treatments. Nationwide had the best deal and coverage for pet insurance. I got the major plan for my dog. At the beginning nothing was covered even if I paid a little more monthly for a $100.00 deductible. I was about to cancel the insurance, but I talked to a couple of Nationwide customer service agents and they explained me most of the cost I submitted were for wellness services and they were not covered by a Major Plan. Then I adopted another dog and I got also insurance for her, in this case I got the Whole Pet with Wellness Plan for her as a recommendation for a Nationwide Insurance Agent, because she needs to be spay and as I adopted her she may need vaccines and wellness visit. I submitted all my claims and after the deductible being cover I have been receiving back 90% of my bills. We moved to another State and we needed to get a new vet. I took my dog for her first wellness visit after having the insurance and the doctor discovered she had a condition in her leg and needed to do some X-rays, I received the 90% of the bill. I consider the Whole Pet with Wellness Plan has a better coverage than the Major Medical Plan. I may get this plan for my other dog at the renewal. I don’t write reviews, but after my dog last visit to the Vet and Nationwide covering the 90%, they sent me an email asking me how my dog was doing. I think that was very nice of them so they deserve a good review.

Embrace is not my first experience with dog insurance, but it's the best, I purchased a high deductible plan, figuring that I'd save for ordinary expenses and they might cover the extraordinary. I did this with some skepticism, because with my prior insurer it was pretty much a battle every time. My dog broke a big tooth, requiring a root canal to prevent infection, and I filed a claim. Not only did Embrace pay what they promised, they did so without hassle, argument, and in an efficient and easy process. Moreover since this put us over the high deductible they paid the other qualified claims in this coverage year without complaint or evasion. I don't generally write reviews. However in exploring the other reviews, I see that this hasn't been everyone's experience. I can't speak for others, but in this case Embrace has completely lived up to their agreement, and I appreciate it very much.

Our adopted pup went for his annual check-up at one year and was diagnosed with bilateral hip dysplasia. The vet said wait until the winter was over, but that he would need both hips replaced and referred me to an orthopedic vet. So, winter was long, but went to the ortho vet and he watched my dog play, walk, examined him and said he wants to treat the dog and not the xrays! He said the xrays were some of the worst he had seen! His xrays show him to be disabled, but my boy has developed his own scar tissue, so no surgery for now! I was so glad Nationwide was there to help in case we needed them and we are happily living with our disabled boy who does not appear to be in pain as he has grown in to his disability.

About 3weeks ago I found that Baby Girl was ill with GI problems. My wonderful vet at Langley Animal Hospital, Dr. Raj, did extensive tests. She had to stay at the hospital overnight and the bill was $1500. Nationwide paid about half, which was what I had expected. Then she had a follow up check-up and Dr. Raj found that she needed oral surgery. Nationwide paid about 90%of this bill. I really appreciate the care we received from the Langley Animal Hospital and also from Nationwide. Baby Girl is better, but she has lost weight and now she had to eat a special veterinary diet. Her spirit is excellent. She loves to walk, especially on sunny days.

I had been pondering health insurance for my two dogs, Frank & Pogo, for some time and spent literally MONTHS researching policies and checking reviews and comparing coverages. I decided on Figo and crossed my fingers that it could be as easy as the ads implied. To date, I have had to submit two claims for Frank (thankfully, none for his brother to date) and both times, the process has been simple and straight forward. The first claim, January of this year, was right around the time Figo experienced some growth and the claims process was moving a little slower than normal BUT Figo kept me updated from the time I submitted the claim until it was closed and communicated that they were in the process of expanding to lessen the time it took for claims to be reviewed. The truth of that was borne out on my next claim which I just submitted on 04/28/18...I actually got my payment for that claim TODAY. That was super fast & hassle free. Figo has excellent coverage options, including a 100% reimbursement plan which I opted for. The rates are reasonable, the app & website are FANTASTIC. I particularly liked that Figo does NOT offer a "wellness package" as I wasn't interested in coverage for routine visits but more for out of the ordinary expenses for my guys. This has turned out to be the perfect policy and perfect insurer for us. I have recommended Figo to everyone I know with pets and I wrote my vet an email last night and asked her to share my experience with other clients who were looking for insurance for their own pets (her office is a big proponent of pet insurance and have lots of info available on lots of plans but I thought some real life experience with Figo would be helpful to other pet parents.)

As always, the people are wonderful! Thanks!

Very easy process and my reimbursement was sent very quickly!

Helpful, smooth & convenient

Healthy Paws has been great! My beloved Sibe Husky just under went her second TPLO surgery. I wasn't expecting any benefits due to what I have read about pre-existing conditions. But I figured, what the heck, and submitted anyway. To my surprise, it was covered! They also gone on to cover her medications and post-op therapy. And I received an email asking how she was doing since the surgery. I thought that was a great touch! Admitting, the monthly expense is high, and was thinking of finding a lower cost company. But after this experience, I will be sticking with Healthy Paws! They have my upmost gratitude for helping out with keeping my girl happy and healthy. I would recommend them wholeheartedly to anyone considering pet health insurance!