I adopted a dog on 11/1/2024. Prior to adopting the dog, I had to set up a vet intake appointment to prove to the shelter that we would have a regular vet. I set that appointment for 11/17 a few days before going to adopt my dog. On 11/14, I started a Pet’s Best policy after spending some time reviewing options—3 days before our intake appointment so the policy would be active in time. At the same time, my RECENTLY ADOPTED DOG WITH NO HISTORY OF PAIN, started showing signs of hip or back pain. I didn’t know if it was an injury or a chronic problem, so I asked the vet what to do. They let me know since she was still eating/drinking/pottying and walking I could wait until our appointment. At that appointment, we discussed testing some meds and getting some imaging done. In December, I had an immunization appointment where I also picked up meds. They denied the claim because the “undiagnosed lameness” presented in their stupid 14 day window. Then, when I got imagine done in February, they denied that claim, too. Again, I had this dog for TWO WEEKS when I started a policy for her. But because she started presenting with symptoms at the same time, for the REST OF HER LIFE, her hip dysplasia claims will be denied. This is an absolute discouragement to adopt, and especially to adopt older or medically complex dogs. Mabel is around 2, and I had no expectation she would be medically complex… But now the policy I got for her so she’d be well cared for even if money was tight won’t cover her biggest need. If I find a policy who will cover her (now diagnosed) hip dysplasia, I will leave Pet’s Best in an instant. They love money, not pets.

you are taking wa too long tp process claims and mail payments, 2 -3 weeks is in appropriatete

I used to give them 5 stars but now they are awful to deal with. I have submitted 4 claims for a new puppy I adopted and they require “soap” notes, doctors notes, I submit them and they deny. I bought the gold plan that covers preventative care as well as accident and illness. Everything should be covered. I am going to cancel and switch to lemonade. This used to be a great company.

For the first pet, it did not give me the option to add another pet so I had to do a separate application. I am hoping I will still get the multi-pet discount. I also had different options for the second pet, with no explanation and my vet wasn't listed which was frustrating

I have been a loyal Healthy Paws customer for 7 years, but I can no longer recommend them. When I first signed up, my premium was $23.94/month for the best coverage—now, despite adjusting my deductible and reimbursement level to lower costs, my premium has skyrocketed with no real explanation. On top of that, my recent claim was denied unfairly, miscategorizing necessary bloodwork as "wellness/preventative care," even though it was for a diagnosed condition. I’ve had to fight for every bit of coverage lately, which was never the case before. Their service has drastically changed. They know long-term customers with pets who have preexisting conditions can’t switch providers easily, and they’re taking full advantage of that. If you’re considering this insurance, think twice! What starts off affordable quickly becomes overpriced and unreliable. I’m extremely disappointed

Disappointing Experience – Slow Claims Processing but Fast Premium Increases I am extremely frustrated with Spot Pet Insurance. I submitted a claim for my dog’s surgery on February 10, 2025, and nearly a month later, I am still waiting for my reimbursement. I have sent all required medical records multiple times—first through my vet (VCA Natomas Animal Medical Center on March 5) and then directly myself on March 10. Despite this, they keep asking for the same information, dragging out the process unnecessarily. What’s even more infuriating? They had no problem increasing my premium right after I filed a claim, but when it comes to actually paying out the reimbursement, they delay and make things difficult. This company claims to be honest and reliable, but my experience has been the opposite. If you’re considering getting pet insurance, be warned—Spot will take your money quickly but stall when it comes to paying out claims. I will be looking for a more trustworthy provider after this experience. DO BETTER, SPOT!

So far, unfortunately, I cannot give embrace a good review. It seems as though they will do anything they can to avoid paying any claims. Basically, one of my kitties has a completely clean bill of health for his heart, but on one emergency visit showed he had a heart murmur (due to fear! He’s never had one since) And they are excluding any future heart related issues from his coverage, saying that he has a Pre-existing heart condition (laughable because the same exact vet took an x-ray of his chest and said his heart is fully healthy, and his chest is completely clear). When I called my vet to chat with them about this and they heard I was using Embrace they said that they are a nightmare to deal with and basically I should switch to anybody else. I am appealing his heart condition on the medical review since it is not an actual pre-existing condition and hopefully things will look up in the future but honestly, I’m expecting the worst.

DO NOT GET !! WHEN I INITIALLY CALL TO PURCHASE INSURANCE FOR MY PET, I CLEARLY CLARIFIED TO AGENT, MY NEWLY ADOPTED PET HAD NO MEDICAL RECORDS, AND IF I WOULDN'T HAVE ANY DENIAL IN THE FUTURE IN CASE OF AN EMERGENCY. THEY SAID NO! WELL 6 MONTHS PASSED, I TOOK MY PET TO GET CHECKED, THEY FOUND A SMALL MASS. SO I DECIDED TO REMOVE, PAID $1,335. WELL THIS WAS IT. WITH WHAT I WAS TOLD, "I SHOULDN'T HAVE ANY ISSUES WITH THE COVERAGE", WRONG!!! I WAS DENIED BECAUSE I HAVE NO MEDICAL RECORD!! THEY ONLY SCAMMED ME WITH MY MONTHLY PREMIUMS!! DO NOT PURCHASE I HAVE WARNED MANY FRIENDS AND FAMILY TO LOOK ELSEWHERE!! SERIOUSLY

A scam. Find another company. I have a 1 yr old dog with no issues. She cut her leg on a hike and the bill was $1100. Embrace reimbursed me just ~$200? Ok, $500 deductible... but that should be about $600 back to me?

Scammers. Never covered a thing. Kept raising prices on me even though they said it would stay if we enrolled young. Claim to be the area I live in. Went from $21 to $49! They don’t even ask before they start charging you a new total either. I don’t understand how they can do that. Then I call to cancel and feel absolutely harassed. My husband was listening and was in shock. I had to literally hang up the phone because they wouldn’t pleading for me to stay and giving me sob stories of pets that died because they didn’t have insurance to cover. Insane experience. Do not trust.