unfortunately, most of my pets claims are being denied- I will be looking for a different insurance company

Obscene amount of questions and zero knowledge about birds and why they go to the vet…and application STILL pending.

When I buy a new car and enroll it in insurance, it is effective immediately? Why am I going to underwriting for dog insurance?

Be prepared for significant increases year over year on premiums, and to fight, tooth and nail for reimbursement and processing of claims.

Coverage was horrible for the price paid. The prorated premium was not returned. Hey, Embrace, what will you guys be using my unused premiums for? Hope you have fun at your employee party! You guys are thieves!!

Shame you can’t adjust your annual. Only way you can is canceling and rewriting a new policy, but then anything during the past is considered pre-existing.

Terrible service terrible job terrible all around as per usual I was proven right. Pet insurance is a scam.

Scam! They tell you they reimburse a certain way, but when you file a claim, they don't cover anything you are paying premiums for. I pay for a 90% policy, but that is not how they processed our claims. High premiums compared to reimbursement. We are looking into new insurance. I would never recommend this company.

My insurance rate went up when I asked if it could be lowered and I was told that it could be lowered by $10 because I volunteered at the Humane Society however then I was told that the $500 extra that I got this year because of not using all of my insurance last year would be taken away. So I wasn’t able to get the $10 discount for volunteering.

I truly wish I could leave negative stars. My sweet little dog is in advanced heart disease and has multiple ER visits a year, along with tons of vet appointments and medications. After raising the cost astronomically every year for the past 7 years, they are now canceling his insurance and giving me insurance that barely covers anything. Late-stage capitalism wins again. I'm so sick of this country and if I didn't love my niece and nephews so much, I'd be gone. I have no choice but to accept their terrible replacement insurance because he is 12 with preexisting conditions. I'll be cancelling ALL of my other Nationwide policies. Not that there is such thing as ethical, user-prioritized insurance of any kind in this god-forsaken country, but at least it will be satisfying to cancel my auto, home, and renters!