Signing up for pet insurance was made easy and the person who helped me was very thorough and obviously cared. However, the plan didn’t cover as much as it claimed to. I could have saved money if I just laid everything out of pocket. The coverage is so little. My $300+ claim was reimbursed $50 and there was no explanation of benefits. The document was blank/error, even for the support person I reached out to. She ended up sending me a breakdown of coverage and it was NOT what I remember signing for. The coverage was MUCH less. I honestly regret getting insurance but I don’t regret trying to get my kitten covered.

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I would like for you to cancel my policy as soon as possible.

The policy language is so vauge, that it allows much to be interpreted by Pet's Best. After being loyal customers for almost five years, we are hit with claim denial after claim denial. Who knew a dog aspirating on liquid (drinking too quickly) would not be considered an accidental injury? The veterinary medical books certainly say so, but the experts at Pet's Best were quick to slap the denial stamp down. Don't give up on claim denials; try your appeal and if they continue to deny, file a complaint with your State Department of Insurance. We must hold these companies accountable for collecting our premiums but refusing to pay claims. Do yourself a favor and just move the money that you would spend on inflated premiums into a high yield savings account. At least then, you'll be confident that the bill will be paid.

I have had claims "on hold" for months. I have submitted the requested information several times. you are asking for a 12-month medical history on dogs i got at 10 weeks old. the last time i was told i would receive an e-mail within 48 hours. that was several weeks ago. i notice there is never a delay in your taking the monthly premiums. what am i paying for if you won't process my claims or contact me. now i have to deal with this while recovering from surgery.

I'm paying Pet Partners $1,750 a year for two dogs, for them to reimburse me 15-20% of my dogs' annual preventative exam fees. I would be better served putting $125 a month into savings, and if the dogs don't get sick, keeping the $ set aside for a rainy day in the future in the event they ever do. Instead, 2024 will have passed, I am about $2,200 that I will never get back and I am sick over it. A total of $1,750 in premiums, $650 in pet expenses, and I was reimbursed a total of $190. This is by far the most idiotic way I have ever spent my money, and what's worse is I didn't the reimbursement back prior to open enrollment and so I enrolled for another year. This feels like the ultimate gotcha moment. I actually feel like quitting my job just to get out of the premiums. Isn't that terrible.

Everything thing is a preexisting condition. Your denial just says because of a preexisting condition. I then have to ask for an explanation for the determination. The explanation is weak at best.

The last couple claims I have had to fight for denied line items because they were clearly covered (which they ended up being) instead of Embrace following up with needing information and then I have to follow up MULTIPLE times before things are resolved. I have been a customer since 2018, referred MULTIPLE people and have not had these issues until recently. Very disappointing.

This company is a scam and will find unreasonable excuses not to cover things. Their customer service representatives do not care at all are rude and will offer zero explanation for anything.

I was a customer for PETS BEST Insurance for 8 years, paying a monthly fee of 98 dollars, every year we had one or two small claims and it took them up to two months to reimburse me. Well my dog turn 8 years old and I received a letter informing that the new dues had increased 200%, from 98 dollars to 305 dollars! The reason was Doctors fees and inflation! If that is not obscene I don't know what is! They force you to cancel your policy because your dog is gettin old and they don't want to cover it!, it is not profitable! I spent 9,408 dollars in 8 years with minimum claims, my dog is in great shape, but because his age and breed is not longer viable for them, they decided to increase the monthly fee to an unreasonable amount. Don't hire this company, find out another company that is not going to dump you because your dog is getting old! Shame on them!