They almost never paid out. They always twisted the veterinary information to avoid paying. Eventually, after paying for several years, I was paying $200 a month for two dogs and I thought I might as well put that money in a savings account in case of a catastrophe.

0% coverage, no money back

all 10 claims submitted this year for stander care such as vaccines and two respiratory infections were denied. In NYC where vet services are so expensive I am paying almost $600/year while this insurance only reimburses $40 dollars/year??? Nice profit margins at customer expense. There are better and more effect insurances. I am considering switching as I feel this is taking advantage of the customers.

Never cover cat sick period.

Worst customer service. Ever. Of epic concern.

This company sits at what is wrong with insurance these days--I had to create a second account for another animal per their rules and when confusion arose concerning billing and cancellation, they refused to reinstate my account even though the cancellation was unintentional and involved a compromised credit card. The agent agreed to reinstate my account after getting "approval" then the next day they canceled that "approval". They raised rates every year.

I proactively collected all my dogs claims and submitted them directly to Embrace. They tell me they received them but my claim status is still "pending medical records" Representatives tell me its just going to be a couple days. It's been over a week. Very disappointed.

We chose this insurance first 5 years all good a few claims but that is what you pay for …. Right? Last year insurance premiums were about to go up 70% REALLY !!!! We chose to drop coverage from $15,000.00 to 10,000.00. Lo and behold this year our dogs insurance is going up from a little over a thousand dollars a year to $1660.00 a year REALLY….. so I guess they just keep bumping it up until a person either gets pissed off and cancels or to be able to afford it a person keeps dropping the coverage until it’s pointless to have it at all but they still sucked the coverage out of you for 5 plus years when your pup is at their best …. Young and healthy. This is so sad thus company is not for the pet it’s for their corporate greed I would not recommend them to anyone. Should have stayed with Trupanion

I've been using Pets Best for years. Their premiums aren't terrible for insurance as I understand it, but they have major exclusions in coverage. The worst is related to periodontal disease. They won't cover anything unless your animal's teeth were cleaned within the last 13 months. Given that a dental cleaning has to be performed under anesthesia, this is a minimum of $300 - $1000 for each cleaning and has never been supported as necessary in a very I've visited unless there is evidence to support it. So to deny covering the anesthesia for a tooth extraction and the extractions themselves that became necessary out of nowhere with no prior history is absurd. They have also claimed in the past that one of my cats had a pre-existing condition so they wouldn't cover the bills (it was not a pre-existing condition). I'm not sure what insurance has less exclusions though.

Never covers anything. Always a loophole why none of the claims are covered