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When I took out health insurance on Gus I did so just on the possibility that he might injure himself while duck hunting. For his first five years he became a trusty hunting buddy but as dogs do he became a member of the family. I never filed a claim for routine care or anything. Just kept the insurance for that improbable accident. Then I noticed one week lumps in his neck. Sure enough it was lymphoma, the worst kind. The vet said he had maybe two months. But because I had health insurance I took Gus to a pet oncologist and she confirmed the worst. I called Embrace about the possible treatment. They said it is covered, just provide the necessary information, forms, and receipts. Gus started chemo immediately and is halfway through his course of treatment. Because I caught it right away and sought specialized care and Embrace responded immediately Gus is progressing well with a good prognosis following completion of treatment for years of remission as opposed to losing him by now. Thanks to Embrace and their caring and responsive staff. John

We have files several claims on behalf of our Doberman, Tanner. With the exception of one claim where we had to provide more documentation, our Nationwide Pet Insurance policy has been great to deal with. Claims are easy to file and the reimbursements are most helpful as vet bills are quite high for just about anything.

My dog had bone cancer in a leg that had previously had arthritis. Embrace initially denied the claim as pre existing. I needed pre authorization to amputate and they denied it. Meanwhile we went ahead with the surgery to save his life since time was of the essence. After multiple letters from my Vet and phone calls from me they finally authorized. I think they probably deny claims thinking people won’t pursue. I don’t think this is unique to this company as I have experienced it in human insurance as well. But ultimately they came through. Just a reminder to pursue if you feel like an insurance company is in error of your claim.

We spent significant time looking at various plans and doing comparisons. In the end, we went with Embrace. SO happy we did. We included the Wellness Care option with or Plan and were skeptical about how long it might take to get reimbursed for covered Wellness Care expenses, but our worries were unfounded. We get reimbursed (via automatic deposit directly into our bank account!) quickly and get to use a quality Vet of our choice - PERFECT! We are VERY happy with our plan and enjoy knowing the simple things are covered (grooming, annual visits, etc.) and that we will not be blind-sided should the unexpected happens.

I had VPI insurance for my dog for years and was happy. So when I got two new dogs, I got Nationwide and am very happy with them. I have not filed a claim in the 5 years I have had them until now. I was pleased at the explanation of benefits and Nationwide covered what they said they would. I will continue to tell others that it is worth it, even if just for the piece of mind and security. I never understand the criticisms of pet insurance and the not paying on a claim? You get a puppy from health tested parents, you feed them a species appropriate diet, use titers where appropriate, and you should have few problems. When you do have an illness, or an injury, pet insurance is there to take the sting out of it. That feeling of not worrying about if you should take your dog to the vet because of the cost, frees you up to focus on your pet and their care.

Kelli had compassion and that is comforting when faced with a serious health issue with your dog.

have recommended to friends already

ASPCA pet insurance is a great company to get insurance . I enrolled my dog as a puppy and she has a myriad of issues requiring treatment over the years and ASPCA has paid major portions of the bills. I recommend you get continuing care options as it covers more of your dogs illnesses.

The best service ever

I can't say one bad thing about this company.. They always answer my questions and have followed thru right from the start.