I made a big mistake going with Nationwide for pet insurance for my puppy. Sure, signing up is a breeze, and they accept your monthly premium with no problem but claims are NOT paid out quickly! I submitted my first claim for $388 and I was informed that processing time takes 30 days. Further, they wanted medical records for my puppy previous to the claim date, which I sent in. Now they’re asking for more medical records to which I already sent because my puppy has only been to two clinics. I can’t believe I’m waiting 30 days now for a $388 claim. Imagine if it was more?! Plus, my account information is not even updated. The claim status is showing “closed.” I asked why and I was informed it reflects “closed “ when more information is needed. I don’t believe some of the other reviews- Nationwide is clearly not the best!

Paid for the extra Wellness coverage, and the limit did not come close to covering my cat’s neuter. I thought I was buying the most complete policy, but instead they classified my cat’s pre-neuter visit as a wellness exam. Even before this, they stopped issuing the point of sale credit card I had used to pay at the vet office, so that now the only option for credit for veterinary care at the clinic is Care Credit. There has been a series of disappointments for me with this company, such as when they automatically renewed my policy and charged my debit card for $600 without my knowledge or any notification. I was really counting on getting reimbursed for kitty’s procedure. I will definitely be exploring other options such as USAA or Costco after this latest disappointment.

We purchased our French mastif 3 1/2 yrs ago. We called Trupanion and took out a policy for 123 a month, a few years later it went up to 133 a month, we just got a notice that this month will be 167 a month. We’ve never filed a claim and she’s almost 4 yrs old. We were told when we took out the policy that it would never increase the amount. Hopefully my dog will stay healthy, but there are thousands of dollars invested with no return. Not sure about this pet insurance!

Denied claims for being a prior condition when there was no diagnosis prior to insurance being purchased Was not given the oppertunity to appeal or explain the claim.

Claims adjuster JH provided horrible customer service. I have no active claims with Embrace but was going through an appeal on pre-med history review with claims adjuster JH. I challenged her on how she could take an opposing view than my vet with over 30 years' experience with only having a few years vet tech experience. She promptly ended the phone call and now Embrace will not take my phone calls. In my opinion and my advice to others is that if you have a claim or appeal request that it not be handled by JH.

I have seen that the claim has been processed, but I have not received the payment yet. Also, when requesting additional information it would be nice to know why the request is being made. After 3 requests, I finally called and the customer representative was very nice in explaining why the 3 different requests for the medical records.

After reaching out several times with a question regarding a claim, I received no response from customer service.

It is very difficult to fill out the forms. There is a pop up window with tasks and the window you need to fill out is behind it. You cannot move the windows around!!!

Submitted 2 wellness claims. Both repeatedly denied. Claimed invoices not paid. Not true. Submitted incorrectly. Not true. Reps were rude and dismissive. Have called 5x. Obviously reps are unable to properly do their jobs. Fetch was recommended by SPCA. I'm beyond disappointed. Will be calling SPCA. They should be affiliated with a reputable company

There was no indication before binding that there was a two week underwriting review before an effective date is given. No other pet insurance carrier does that and it seems over the top for this line of business.