Have 2 dogs insured. Both take monthly meds. One claim gets paid almost immediately while the other consistently takes up to a month. She’s been on the same med since before she turned 1. She is now 4. Nothing new. At the point the yearly rates are increasing, by next year it will probably be too costly to keep insurance. Will have to weigh it out.

My policy has gone in ten years from $360.00 per year to $3600.00 per year for the same amount of coverage. I realize that there is inflation and the cost of veterinary care has escalated as well.This seems excessive. Despite the good customer care and reasonably prompt repayment, I would choose a different company to insure my dog. Pet insurance has many additional companies who can provide service at a more competitive price. In the past I have recommended this company to all my friends and in online dog forums. I can no longer do that.

The customer service is fine, I'm giving this low rating due to the ridiculousness of their pricing algorithms. My pet's policy is set to renew in October and the monthly premium increased 68%! Yes, you read that right, 68%! I don't even know how that's legal? But I'm stuck with the policy since my dog has allergies (a pre-existing condition), otherwise Id go elsewhere. Shame on you, Embrace.

Rather cumbersome process

Spot placed so many barriers to my first claim, I canceled in frustration: 1) calls went to an off-shore answering service that was useless; 2) the claim was commingled with an invoice among my pet’s medical history and that had to be removed by an agent of the company; and 3) the company continued to ask for medical records that were far more clinical than required. Not recommended unless you are willing to put up with confusion and processing delays.

Horrendous experience with this company. My dog got an ear infection for the first time in her life after my policy started. The entire claim was denied because Pet's Best said the condition was pre-existing before policy coverage began. HOW is that possible? She has never been to the vet for an ear infection prior to this. I have been attempting to cancel. I cannot speak to a real person and they are not responding to my emails. Horrible insurer. Do NOT recommend.

Your explanation of coverage is misleading. My plan says it covers surgery, and spaying is surgery. I also have a preventative policy. Your website indicates that spaying as preventative, but doesn’t make it clear that the Gold tier doesn’t include spaying. I will be taking my coverage for both my dogs elsewhere.

Total scam! Go with a different option. You end up paying MORE using Spot just to have a membership - they cover almost nothing.

It takes a VERY long time for the claim to process and get reimbursed back.

Because I can’t reply to your response, @Embrace, I’d like to set the record straight for anyone following this issue. The acquisition of Embrace in late 2023 by private equity firm JAB Holdings, who now owns more than 10 pet insurance brands, should not be ignored. According to JAB’s 2024 Annual Report, their strategy is focused on using acquisitions to drive revenue growth, and they explicitly highlight “above-industry growth” in pet insurance, attributed to “partnership activations,” “premium increases,” and new business writings after consolidation. So while you keep telling me my 200%+ rate jump is due to “normal aging and inflation,” your parent company openly reports that profit growth comes from raising premiums after rolling up multiple pet insurance companies. JAB’s own report states that their North American pet insurance platform, Independence Pet Holdings (which includes Embrace), posted “core brands GWP [gross written premium] up +30.7% vs. last year” and touts “rate optimization initiatives” as a main driver of that growth, not just rising vet costs. Just here on Trustpilot, at least four of the brands that have been bought out by JAB Holding Company have received garbage ratings from consumers, with the most of them centered around astronomical rate hikes, frequent claim denials, and sudden policy cancellations without no notice. Does that sound familiar? It’s disingenuous to blame these rate hikes solely on my dog’s age or veterinary inflation when the real catalyst is a private equity group, now holding a billion-dollar portfolio in pet insurance AND veterinary services, seeking returns through aggressive price hikes after acquiring trusted consumer brands. These financial maneuvers are spelled out in "JAB Holding company’s Annual Report 2024" explaining their investor filings for anyone who cares to look. If you’re going to triple premiums, at least be honest about the reasons: it’s not just about our pets getting older, it’s about your shareholders’ profit targets.