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Excellent prompt service and easy to use!

My 14-year old dachshund, Ruffy, had a pneumonia on Christmas Day. I took him to an emergency vet and Ruffy had to stay there until the New Year's Eve. Since he had to stay in the oxygen chamber, it cost me more than $6000. Fortunately, I had an insurance with Nationwide, so I could let the vets help Ruffy with the ease of mind. I received a refund check Unfortunately, Ruffy passed away two on March 1 with bronchitis. My family are very sad with his passing, but we are so glad that we were able to enjoy the last two extra months with Ruffy. Without the insurance, we may not have been able to take him to the emergency vet in December.

I originally signed up for Embrace because it was the best coverage for the price available. I've been disappointed since then - it is a real struggle to get in contact with Embrace: I often have to send them 2 or 3 or even 4 messages before I get a response (although I will say, when I do hear back, they are very polite and try their best to be informative!) My biggest issue is that claims I have submitted for my dog a month ago still have not gone through, because Embrace states they don't have a record of my dog's full medical history; however, I have sent them a record of every vet visit my dog has had in her whole life (she's only a year old!). Additionally, the premium increased by 20% ($10 more PER MONTH!) when it was time for me to renew. Lastly, I once submitted a medical history review for my older cat to make sure she didn't have anything that Embrace would consider "pre-existing conditions" - despite multiple follow ups on my part, Embrace never completed this review. I hope they will improve their service and their prices will not continue to increase at such an outrageous rate, or else I will have to go elsewhere!

I originally signed up for Embrace because it was the best coverage for the price available. I've been disappointed since then - it is a real struggle to get in contact with Embrace, and I often don't hear back for weeks (although I will say, when I do hear back, they are very polite and try their best to be informative!) My biggest issue is that claims I have submitted for my dog a month ago still have not gone through, because Embrace states they don't have a record of my dog's full medical history; however, I have sent them a record of every vet visit my dog has had in her whole life (she's only a year old!). Additionally, the premium increased by 20% ($10 more PER MONTH!) when it was time for me to renew. Needless to say, I will not be renewing with embrace!

Love the ease of submitting the claims

Perfect

We were really on the fence about pet insurance as we don't have any financial struggles with surprises but we decided to go with it her first year because it covered wellness and her being spayed. Little known to us would she catch pneumonia her first month and need to be hospitalized and the claim process a nationwide was so wonderful that now we will keep this insurance forever!

Easy and seamless!

excellent coverage

Claims are paid in a timely manner.