I have had Embrace for 4 years as it is a preferred provider of USAA (which I am a member). To be honest, I am extremely unhappy with this provider. I have had the insurance for 4 years and have NEVER made a claim and my premium just doubled! Yes doubled! It was already extremely high to begin with. My pet insurance premium is now more expensive then my car insurance and my renters insurance combined! I will be finding a new insurance provider and plan on canceling my policy with Embrace asap. I highly recommend you look elsewhere for pet insurance.

The amount that I’m paying has gone up and the amount being covered is less. I’m very disappointed in how much I’m paying for insurance but barely covered 40%. The coverage I have is suppose to cover 70-80%

Been a customer 13 years. Paid $600/month for years for multiple dogs to have care. My dog was diagnosed with hemangiosarcoma in Sept 2024. I called Nationwide after her emergency splenectomy but before diagnosis. I was told she would be covered from the top of her nose to the tip of her tail by Angela for her cancer treatment/needs. I received a letter of non-renewal in early October (less than a month from Hemangiosarcoma diagnosis ). I learned on 12/30 that the policy was discontinued several months ago and posted in a USA Today article back in June which I never saw. Nationwide should have sent notices to affected customers in June 2024. The rep in September (Angela) should have told me it was coming. So many issues with how this company treated over 100,000 people and their pets! As a long time customer, I should have been provided another option to take care of my dog with an horrible, aggressive cancer! Instead I was told “sorry” and she is not coverable. They could have transferred her to another policy if they truly cared. She has been in their system since about 9 weeks old and just tossed aside like nothing!! Disgusting customer service! I know many veterinarians that have recently told me they will not support this company. Do your research and do not put your trust in this company!!! Do better for your pets!!

I filled a claim (over $300) Most of the insurance payment went to deductible and co-payment. I am receiving $15. We pay over $50 per month. I will be canceling.

Terrible pet insurance coverage. I will not be renewing our insurance with you. I will NOT recommend you to anyone.

I am disappointed with Trupanion's service. I bought the insurance for my cat at beginning of 2024. I provoded all of her Vet record with their request. About 2 month ago, they emailed me requested the record during 04-2022 to 09-2023 otherwise they may affect my future claim, I email back stated that my cat was very healthy and I was busy with family issues so my cat did not go to any vet in that time. I requested them to confirm if this is OK for my cat to continue the insurance for future claims. I did not get response. I sent two more emails to follow up within 2 months however there is no any response! I am disappointed with they are keeping me pay monthly but do not provide the simple answer by 'Yes or No'.

After a few years of paying for insurance for 2 dogs decided to not renew anymore because was not seeing the benefits for as much as I was paying. So when one dog's insurance came due in October I cancelled but then the company came after me for $11.43 for the whopping multi-pet discount on the other dog's insurance that was paid in July in full for 1 full year and i had to pay or the policy would be cancelled even though it is paid to run through 6/19/25. SO they are charging me for a past bill that was already paid because now there is no longer a multi-pet discount. I can see going foreward on my next bill should I choose to renew only the one dog again for some reason to not get discount but not lets go back on past bills and charge money. Also, if I don't pay this $11.43 by 1/1/25 they will cancel the policy that is paid for up until 6/19/25 exept this backpay of $11.43 they want for the multip-pet discount that occured a couple months after the fact when not continuing insurance with them for the other dog. I filed with BBB, leaving all the reviews I can find and believe mean everyone I come in contact with will hear my experience and will definetly not recommend PETS BEST for insurance. I hope they have the day they deserve!

Sorry, but too much work, entering explanations etc. that are already on the invoice.

I am deeply disappointed with this insurance, which I chose to avoid unexpected veterinary bills for my dog. I recently submitted a claim for a significant procedure my Yorkshire Terrier underwent, only to have it rejected twice. The rejection was based on the claim that the full medical history was not provided, despite it being included in the submission. This policy was meant to provide support and peace of mind, ensuring my pet was covered, but instead, it has added unnecessary stress and anxiety to my life. At this point, I am seriously considering canceling the policy, as it appears to be entirely ineffective.

This is a warning from a member with 4 pets over 10+ years I have been a menber with Nationwide pet insurance when it used to be VPI pet insurance. I had a plan that was grandfathered in which was 90% covered with no CAP (this means no matter the treatment they covered the full cost) They tried to push me out by raising the cost the that plan year after year so I played ball with them and dropped it down to 70% covered with no CAP. They always stress to insure the animal since they were a puppy or kitten so everything can be covered through their life without any exempt. So this year they decided to write me that they are canceling my policy becuase the cost to them are too high to cover his plan even though they havent offered this plan in over 7 years and I was grandfathered in. I was told they will move me to the 70% plan and a 10k cap so if my animals had any thing serious over 10k i had to put the money up. Or other wise I can go kick rocks. Even though I have been paying over 10 years of premiums for 4 animals and they were so selfesh and could wait maybe another 5 years until all the grandfathered customer fur babies passed and crossed the rainbow bridge. Instead this $60.3 billion dollar in sales for 2024 company decided to be selfish and not cover and honor the pet plans they gave customers. Its really sad and disgusting that they used the phrase they are loosing money as an excuse to hurt theese animals. I will say over the past 10 years nationwide has been amazing with quick payouts and customer service. But that dose not fix how they handled this selfish situation.