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I decided to insure my dog with Embrace Pet Insurance after reading many reviews on this site. I am so glad I did!! My lab is 2 years old and fell down our hardwood stairs and tore his CCL in his knee. I took him to the vet right away and was told to go see an Orthopedic surgeon because he most likely needed a TPLO procedure done. I didn't have time to submit a pre-authorization form for the surgery ($3500) but sent all the paper work in hoping that it would get covered. We are exactly 1 week from surgery and my claim was paid in full- check is on the way. WOW. AND when I called to talk to them last week about his procedure the first thing the lady asked me on the phone was if I was OK. She was more concerned about me and my dog than dollars and cents. Do yourself a favor and check Embrace out. Call them and see for yourself. Their customer service is top notch.

I have been paying $38/month for over a year. I chose a $500 deductible. In order to have an exam covered it would be a higher monthly premium. I was aware it does not cover neutering. I did think it covered some medications. My rottie experienced a dog bite and was taken to the ER for an exam, sutures, medication. Three days later he was neutered and had x-rays to rule out hip dysplasia. I was not aware X-rays are not covered if the diagnosis is hip dysplasia. Over the past year I had spent around $3,000 in vet bills. The insurance covered a whopping $18.77. Not worth it. My suggestion is to have a separate account for vet bills and not feed the insurance company.

doing a good job for us with both past and present pet......

Usually you are pretty good but waiting a long time recently for reimbursements. Alos low reimbursements on some things like shots and office visits. I will look at other insurane when I get new pets. I have been with you for a long, long time with two pets.

The vets office can file the claims directly and Hartville sends reimbursement very quickly - easy process. Hartville calls to check how the dog is doing after medical treatment - seems to care more than human insurance companies.

Recently my dog Charlotte ate half a pair of my underwear and I had to take her to the hospital because she was acting weird. I called PetsBest beforehand just to make sure. I received my reimbursement pretty quickly - within a week, and the experience was easy and I’m so glad I have the insurance. I overheard a guy at the hospital who was having to deal with a $7k hospital visit and if that was me I wouldn't have had to pay less than $1k.

Little did we know that our precious Tiny Toy Red Poodle RUBY would have several major health problems in her early lifetime. We have been very blessed to have this Insurance Coverage. Thank ou Nationwide for making the decisions easy for us with Ruby's Medical Care. She too sends you licks and love. By the way, your service and staff are beyond fabulous! Thanks so much NATIONWIDE!! Marlene & Max Moses, and Ruby Red Moses!

Without this company we couldn’t have kept Henry. He has Allergies and it took us 18 months to finally get him on an effective lifelong plan that lets him enjoy his life....We are so grateful for Nationwide!

Trupanion is wonderful, thank you for helping out with my dog s vet care

When our beloved .Keira was so sick, they were no issues and quick service. Thank you very much for everything. We were able to just look after Keira and not worry about her medical expenses.