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It is very hard to get a reimbursement of services. I had 2 of my frenchies insured and needing surgeries. One of the reasons they denied a claim was that my dog was not seen in a vet for over a year so therefore it is classified as a pre existing condition. We just relocated to another state and had no immediate need to bring my dog to the vet. They are house dogs, they don't leave my property. I went on BBB to see this is a big issue with Embrace. They take a long time to contact you when submitting a claim as well. Every claim submitted gives the default response of "we need to contact prior vets for complete medical history" even though this is done in the preliminary coverage process. You are better off putting that money aside every month and getting a CareCredit card instead of paying for their insurance. This is what I am forced to do... 5K in debt later. Thx Embrace!

My dog got ahold of a corncob and was vomiting within a few days. Took him to the vet since we were overly cautious - multiple xrays, blood work and fluid racked up around $800 in costs. Nationwide processed my claim within 4 days, and with their new direct deposit tool, processed payment within 5 days of my dog receiving care. Our pup is doing great and we didn't have to worry about finances because Nationwide had us covered. Thank you!

Always reimbursed in a timely fashion. Very easy to file claims. A little pricy but benefits worth it.

Excellence in coverage from Nationwide for over 8 years! Thanks

Wonderful service as always. Very prompt with processing your claim.

A++ Keep doing what you are doing! Been a customer for 15 years!

Easy and predictable

My late husband and I have carried Nationwide Pet Insurance, formerly VPI Pet Insurance, on our Yorkies since 1987, when after paying our first veterinarian bill, I laughingly asked why pets can't be insured like me for doctor visits and the Technician pointed me to the VPI Pet Insurance brochures. I once tried another insurer, but when our Yorkie at the time had to go into emergency care, the resulting bill out of pocket was $3000+, I went back to Nationwide. I now carry both Wellness and Illness coverage at a very good reimbursement rate. The monthly premium is justified considering my return on expenditure. The key is to SUBMIT CLAIMS for both Wellness visits, and for medical visit!

Great service

They're available 24/7 and all of the associates I've spoken to are very helpful and they make the whole process extremely simple and fluid.