My pet had cataract eye surgery in which they paid based on my policy. The next year they raised my deductible and lowed my reimbursement rate, but didn’t change my annual coverage.( I was surprised they kept my annual coverage at the rate I had originally selected) All these changes were due to my pet eye surgery. He had cataracts in both eyes. It’s like they penalized me for his surgery. They informed me that I can never have a lower deductible or a higher reimbursement rate as long as I with their company. This year they are raising my quarterly rate from $56.92 to $72.99. I had No payouts this period, but my quarterly payment increased by $16.07. I was informed by a letter. I’m in the process of changing from this insurance company-FETCH. All I can say, Don’t have major surgery for your pet, YOU WILL definitely be penalize for this!!!!

I have an American Pocket Bully. I rescued from the Humane Society. She had issues I was unaware of. I tried every single thing I could to figure out what was wrong. I even did testing. Which caused her to preexisting under every circumstance that falls under allergies. Even if she never had conditions. Ear infections are prex even though they heal and go away. My favorite is any skin infection including a Staphylococcal bacteria is to them allergy related. I only keep it for an emergency really. It’s not worth the cost and the wellness is a joke. I’m dropping that benefit with next renewal.

Your website is deceiving as far as cost!

I have serious concerns about Pet Best. I signed up my new puppy, against my better judgment, my 8 year old Shih Tuzu was on this and they paid nothing when she got sick. My puppy....I took her to get her first immunizations and I submitted the claim and they said she had maxed out her claims.....it was the first claim she had ever had. Their customer service is HORRIBLE. Find something better than this.

You can cover actual conditions. My dog was diagnosed with airway issues that needed boas surgery 2 years after the start of the policy and was never noted any earlier and you denied coverage based on preexisting condition. She was never diagnosed before with this issue

We paid for insurance on our dog starting in fall of 2016, and never missed a payment. This spring, my payment somehow didn't go through, and they cancelled my policy! All of their emails went into my spam folder so I had no idea. Now my dog's back was hurt and I was left without insurance without my knowledge.

About 18 months of coverage and I'm still trying to decide if it's a good deal. I pay to cover our two dogs for their routine veterinary health maintenance and for emergency/sickness care, as well as pharmacy. So far, fortunately, all our claims were for routine preventive care. I've found the reimbursement levels to be disappointing, and the claims review process a bit opaque and sometimes not satisfactory. When our 5 year-old dog went in for routine dental exam + extractions under anaesthesia, the claim was rejected on the basis that a vet had previously indicated a finding of gingivitis, which rendered all his dental care "pre-existing condition". Of course we wouldn't have scheduled dental care based on a finding of gingivitis alone, and anyway that sort of cleaning IS part of routine dental care in a normal healthy dog. So I've come to realize they skimp on reimbursement. I haven't discontinued yet because I hope that perhaps the insurance will prove itself when there are real health emergencies that are costly to address. I'm not holding my breath.

I just canceled after 3 years. The cost got to be too much. And they find every reason to make a pre-existing condition. I initially signed up my 10 year old dog it was $52 with a $500 deductible. Then it was $65 with a 750 deductible then it was $82 with $1,000 deductible and then for 13-year-old dog it was $220 with $1,000 deductible. She's a healthy dog fortunately. All the people I dealt with were very nice both sales and claims, but the increase seems high and I would expect next year it would be even higher

Biggest waste of money in my life, even with the USAA discount. There are plenty of other pet insurance options that will give you more for less. If I were smart I would have just put aside a small chunk of my savings strictly for my dogs health.

I believed Embrace would be a great company for my pet due to the option of reducing the waiting period for orthopedic injuries by completing the “Orthopedic Report Card” after seeing the section on Embrace’s website, and talking to multiple people in my state who have enrolled their pets and successfully reduced the waiting period for orthopedic injuries. I signed up for a plan through Embrace even though the cost per month was much higher than competitors due to the appeal of that offer. Upon enrolling my pet I was unable to find the “Orthopedic Report Card” on my account and called the customer support line to find a solution. The representative informed me that the waiting period could not be reduced with my plan and treated me with a flippant attitude and even chuckled when I explained that I only enrolled due to the appeal of a company that would reduce the waiting period for orthopedic injuries for a healthy dog. The tactics used to lure customers in with false claims is dishonest, and the uncaring attitude of the representative I spoke to was extremely off putting. Had the representative informed me that newly established plans in my state no longer allow for a reduction in the waiting period in a compassionate and understanding manor I may have stayed with the company regardless of the fact that the waiting period can no longer be reduced, but I will not do business with a company whose representatives are not caring and professional.