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Excellent investment. My cat had an urinary tract infection. Which cost me close to a $1000 dollars. 80% was reimbursed! I would strongly recommend you get this insurance. It has given me peace of mind.

Easy to use. Fast claims. Good coverage. Highly recommend

Trupanion says that they cover 90% of costs but it's not true - they do NOT cover any examination fees. You should know this before buying the plan. Our dog just broke his leg. The bill totaled almost $6000 for surgery and 2 nights in the hospital. After the $200 deductible Trupanion only ended up paying about 80% of the costs - they denied any cost related to examinations. Luckily they could not claim that his broken leg was due to a pre-existing condition, but I have read several other complaints about Trupanion denying claims when they determine that the illness was pre-existing. Would ONLY recommend them if you have a young, perfectly healthy pet at the time of purchase.

Value and service are great. Reimbursement is easy and customer service is helpful.

I am pleased to have Nationwide Insurance for my puppy, Olive. I adopted her from my friend in beginning of November and was recommended to have a pet insurance policy for emergency. I have applied for the Nationwide Insurance for Olive in December 25, 2016. The policy became effective on January 7, 2017. I am glad that I have purchased the Major-Medical Plan through Nationwide. On Friday, January 20, 2017, Olive jumped off the couch and sustained transverse fracture to left ulna and radius. I was not expecting such an Emergency like this and was not sure about how to claim or apply insurance through the vet. When I called the customer service, I was immediately informed on filing insurance claim and I was told that the claim will be reviewed within 15 days and the reimbursement will be sent within 30 days of the claim. I had to pay $325 for the splint at the time of treatment out of pocket on Friday and $2480 by using the Care Card for plate placement on Monday. The total amount minus $250 for deductible was approved and reimbursed within 11 days of filing the claim. One thing that I would love to see is the insurance coverage being approved first that way I do not have to pay upfront to risk me from getting into the financial jeopardy.

We are in the military and move every couple of years. Embrace is the only pet insurance we have found that has covered us from Alaska to Virginia. We appreciate the continuity and good coverage.

Response time for repayment is great! Claim was submitted and a reimbursement check was received within a week (maybe less). The online account access is easy to use and has great resources. The cost of the insurance is very reasonable. Very satisfied with Nationwide.

We have been with Embrace for 7 years when my tiny toy poodle Gracie encountered one of many issues to follow. She is now 10 years old and Embrace has continually honored claim after claim without problem and they always seem happy and helpful to make sure I am covered. One time there was a slight issue with coverage of a claim and it turned out the vet used a wrong code so it was a matter of resubmission. They cover as little or as much as you want for your pet. They are always there when you call and always helpful. They are never snarky or dismissive and they never leave you hanging. And you always get to speak to a staff person who is intelligent and informative. They are very professional and make it their business to insure that there customers and pets are well provided for. For the record our little dog has had thousands of dollars of medical expenses over the years and they have all been covered well above our monthly premiums. It is the best investment we have ever made for our pet.

Embrace never disappoints! They are easy to work with, quick with answering questions and payments. I have had to claim one major surgery as well as one tooth extraction, and most everything was covered. And best of all? It was done seamlessly. I would recommend Embrace to anyone who has a fur baby!

I love nationwide, they have been with my boy all during the time and very responsive when we need them and also quick response time if we had any consents.