Absolutely terrible. And giving me the run around for months. quick to take my monthly payment but when it comes time to claims they are doing everything possible to waste my time and try to find ways to not pay out the claim. End of the day they will need to pay the claim but it's very frustrating that they're wasting so much of my time trying to fight about paying a claim when I pay them every month for insurance so why do I have to fight with them when the time comes for them to honor their end of the agreement. they clearly dont care About my pet if they're not reimbursing the vet bills making it harder for me to afford to take her back to the vet and when I explain this to them they act like they don't care ... I've tried calling them asking for a supervisor and sat on the phone on hold 30 minutes . Job and can't just take all day to sit on hold for pet insurance to try to get them to honor their end of their contract slash agreement. its very frustrating being stuck with this insurance to avoid negative repercussions from existing conditions that happen while I had spot pet insurance. No idea I had to fight every single claim or I would have definitely gone with a different company...do yourself a favor, save your time & money & g with ANY other pet insurance company #stayAwayFromSpotPetIns

Nationwide will gladly take your money UNTIL your pet is 7 years old. Paid for the plan for 5 years, rates went up every year until I'm now paying $180.00 a month. Just got a letter of nonrenewal and called them to find another plan. Plan is not offered for my dog because after they are 7 years old ...no coverage. So Nationwide basically cherrypicks young dogs, takes your money and then when they are old enough to actually need it you get dropped. RUN AWAY FROM THIS RIP OFF COMPANY, THEY WILL DROP YOU WHEN YOU REALLY NEED IT.

Everything with Trupanion becomes a pre-existing condition. A scratch my cat had from playing with other cats became a pre-existing condition and they won't pay anything skin/fur based. It sounds like good insurance but when everything becomes a pre-existing condition for the life of your pet, then it's really not insurance at all. I have a 2 year old cat who is perfectly healthy but they managed to find 4 pre-existing conditions covering 4 entire body systems and organs. Even my vet doesn't understand how they managed that.

Waste of money. Didn’t accept a single claim I sent in for either of my cats (over a dozen claims). Spent about $300 for nothing. The two stars is for customer service, which was a positive experience.

First of all you can't get essential wellness unless you take the accident policy. The cost of the insurance went up considerably for my one dog which I think was not so great. I had my dogs yearlies done before the end of the year thinking they were covered and they were not. I should have waited until now to do them.

Stay Away!! I had pets best when my prior dog had cancer this way 1.5 years ago they were great. I adopted another dog who was found to have a heart murmur which just developed. I had tests etc... performed that cost close to 2k as under this garbage policy I got zero back. I called PB as the operator indicated she wanted to help, the help was getting this policy cancelled! Thankfully as my next premium was due in two days. They are quick to take your money and deny you on claims......I am going elsewhere. For those of you who are going to proceed with them be extremely cautious!!!!!!!

Claims are processed very slow and the monthly charge is way too much

Terrible when you need them. I was with them for 7 years, and they can cancel you without giving options, leaving you stranded when you need them most. They will say whatever you want to hear to sign you up—don't fall for it. Poor customer service; they don't care. You've been warned.

I purchased this insurance through Progressive for my cat and made sure to get a plan that covered teeth cleanings. It came time to bring my cat in for a teeth cleaning, and the vet found brand new dental issues (tooth re-absorption) that required extractions as they are quite painful for cats. The bill ended up being quite expensive surprise. When I submitted it to ManyPets, they denied everything, including the cleaning that my plan explictly covers $150/year for, on the grounds that my cat had evidence of gingivitis (what cat doesn't) so therefore the brand new tooth reabsorption was a pre-existing condition. My vet put together a very well evidenced rebuttal proving that the tooth reabsorption was a new issue, unrelated to the gingivitis, that no one had known about (again, this happened during a teeth cleaning visit). ManyPets response was to cover the $150 for the cleaning they initially denied, and nothing else. I do not recommend this insurance and am very frustrated that Progressive recommended it to me. It's one thing to deny claims for frivolous reasons, it's another to deny routine care that do not come with any conditions on the contract. I will be changing providers as soon as my term is up.

Our Labradoodle is 7 and we have had Embrace insurance for 5+ consecutive years. During the 2nd half of 2024 Embrace raised our premium from $123.81 to $173.19 (40%). Our coverage is annual benefits of $10,000, a $500 deductible and 80% reimbursement rate. Were we enroll our dog today with Embrace, our premium for the same coverage would be $119.98. The way companies such as Embrace keep you hooked/locked in is through a pre-existing conditions clause......since we filed claims during the past 5+ years for giardia and anaplasmosis, these are considered pre-existing conditions should we choose to get coverage elsewhere.....so we remain captives of Embrace. Even so, a 40% rate increase is excessive in my book, especially when there is no apparent attempt by Embrace to justify it. Certainly our per's claim experience doesn't.