My dog was insured for 9 years. We never filed a claim. The past two years the policy doubled. $45 to $90 causing me to changed the deductible to get it to $70. This year it doubled again to $158. I cancelled it. Crazy. Worse than BlueCross for humans

I loved this company til they screwed me over. Beware when your pet gets older they price gauge you to the point where you have to leave and you’re left with an elderly pet without insurance. And they don’t even care about it. Nothing was done to make it right. These companies ultimately don’t care about you or the well being of your pet. I will never recommend embrace ever again. Find somewhere else to insure your pets before they get older and they do this to you. My pets insurance went from $60 a month to almost $400 per month. Heartbroken

Spot placed so many barriers to my first claim, I canceled in frustration: 1) calls went to an off-shore answering service that was useless; 2) the claim was commingled with an invoice among my pet’s medical history and that had to be removed by an agent of the company; and 3) the company continued to ask for medical records that were far more clinical than required. Not recommended unless you are willing to put up with confusion and processing delays.

Rather cumbersome process

Have 2 dogs insured. Both take monthly meds. One claim gets paid almost immediately while the other consistently takes up to a month. She’s been on the same med since before she turned 1. She is now 4. Nothing new. At the point the yearly rates are increasing, by next year it will probably be too costly to keep insurance. Will have to weigh it out.

Horrendous experience with this company. My dog got an ear infection for the first time in her life after my policy started. The entire claim was denied because Pet's Best said the condition was pre-existing before policy coverage began. HOW is that possible? She has never been to the vet for an ear infection prior to this. I have been attempting to cancel. I cannot speak to a real person and they are not responding to my emails. Horrible insurer. Do NOT recommend.

It takes a VERY long time for the claim to process and get reimbursed back.

Total scam! Go with a different option. You end up paying MORE using Spot just to have a membership - they cover almost nothing.

Your explanation of coverage is misleading. My plan says it covers surgery, and spaying is surgery. I also have a preventative policy. Your website indicates that spaying as preventative, but doesn’t make it clear that the Gold tier doesn’t include spaying. I will be taking my coverage for both my dogs elsewhere.

The worst!! Price gouging worse than human insurance companies. It’s all a scam. So many better companies out there these days. Edit: since I can’t reply to the canned reply from embrace I’ll do it here. There are SO MANY better options out there for pet insurance. Better coverage, WAY better prices and better reviews! Embrace is owned by a monopoly and they do NOT care about pets. They care about MONEY! Please don’t believe the reviews that sing their praises. Either they are people who just signed up and haven’t had premiums double or triple the first time they renew, or they are totally fake reviews altogether. This insurance SUCKS.