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My Mia tore her left ACL, and while waiting for surgery, she tore her right ACL. Nationwide was prompt in making payment to me for the first surgery. But the right leg surgery costs was denied payment due to the fact that they said they only pay for one incident in a calendar year. Well it is the same injury, but in 2 different legs. I have had my claimed reviewed and I have asked to have the "explanation" where it states that in the policy to be shown to me in layman terms. Just today I have been denied another claim, due to she still has an infection in her bone from the first surgery, with the EOB stating they have paid in full for this incident. I didn't know there was a limit to benefits. I thought I had a $15,000.00 limit per incident. I guess I am wrong. I will be looking at my policy better before my renewal comes up.

The only issue that I had was that this past claim too longer to process than normal.

So happy with Embrace, all my questions were answered, staff was easy to work with. Took care of my claim in a timely manner. So glad I have it. Never did have insurance for my last four dogs, what a difference. Vet visits can be costly.

My baby had a terrible month of treatment that ended in surgery and cost me more money than I’ve ever had to shell out at one time. Nationwide processed my claim in about two weeks and I received everything back. I almost cried out of relief when I got the notice. Worth every cent I pay per month for this insurance. Thank you <3

Great company! Amazing service! Super easy claim submission and prompt reimbursement! Trupanion for everyone!!!!!

Thank you for your assistance in helping us return Watson to good health and happiness!

Claim process is easy and I like the follow up to check on my dog

I have found ASPCA to be helpful and reliable to me so I have started recommending it for my patients. Dr. Alice Toriello

Using the vetvital app submitting a claim was so quick and easy and I had my claim processed and check in hand within 6 weeks. It was a great experience and takes the burden off my bank account.

Very good service and understand my needs