This is the fourth time I called regarding the same issue. Hopefully it will be worked out.

Every time I submit something, they tell me that it’s not covered. I’ve been spending money on this insurance for so many years, and it’s just been $$ down the drain while I pay full price at the vet.

I am not sure why they do this but, my dog punctured his front leg and had a patch of skin hanging. Vet did sutures and before covering the surgery Embrace required all medical records from all vets he may have seen. This I can understand. However, my pup broke open his wound requiring an additional two surgeries and again, embrace is requiring all medical records from all current and prior vets. They already have this information. Why are they making me wait for reimbursement? Do I have the option of paying them only when I know that they will cover a procedure? No. So review your records and reimburse me. This is why I have insurance because sometimes life happens.

Scam. Adopted a dog from the Humane society and signed up for coverage the same day. Had a vet visit the next day and the claim was denied bc my policy ended the day before the visit. How? No one to talk to. Don’t waste your money.

I do not recommend Pets Best Insurance. I had a frustrating and disappointing experience that shows this company lacks transparency, responsiveness, and accountability. I submitted a claim for my cat Kage and was told to provide vet records for a date that never existed. I explained this clearly, provided the only valid records from 2020, and still received repeated emails asking for documentation from periods when we didn’t visit any vet. It felt like a deliberate tactic to deny reimbursement. On March 11, 2025, I canceled the policy via email and phone due to how poorly the claim was handled. I even followed up again by email on March 15 to reiterate my cancellation, stating I could no longer provide “nonexistent records” and that this policy was already canceled. Yet they kept billing me for the next four months—March through June. I called again on June 23, spoke to a rep named Zair who said a manager would review the emails and backdate the refund, and that I’d receive a confirmation email and phone call. Neither ever came. On June 30, I called yet again and spoke with a supervisor, Bassem, who admitted they hadn’t seen the email cancellation and only then confirmed that the policy was canceled. ❗ Additional Red Flag: Pets Best Insurance is NOT BBB accredited, which should be concerning for anyone seeking a reputable pet insurance provider. This was a stressful, time-consuming, and avoidable experience. Pets Best made a difficult time even harder—and I’m still waiting for a proper refund and acknowledgment of their errors.

I have been an ASPCA customer for over 2 decades. They used to be wonderful & I sung their praises in prior reviews. Now, I will never donate to The Guardian Plan, nor will I carry my pet insurance with them ever again. Not trusting The Guardian Plan??? It is difficult for me to reach that point, but they earned my distrust over the last few years. I love animals & will continue to do things that support rescue efforts, but it will never happen via the ASPCA ever again. I have been a pet insurance policy holder for well over 2 decades & I now see that greed is the driving force. I work in a management capacity with a large international company & I know that profits are massively important. I also know that integrity should always be at the forefront of anything that a corporation does, so that we maintain the trust & transparency that any customer needs, in order to maintain a positive relationship. The ASPCA’s repeated failures to keep my trust have led to me canceling my partnership with them with regard to both my insurance coverage and my Guardian Plan participation. It saddens me to pull my financial support from an organization that I once felt deeply held the same convictions towards the protection of animals that I hold dear. I attempted to express my displeasure on some direct phone conversations. I felt that it was important for me to speak to someone personally so that I might properly express where I was coming from. I was met with some very polished “Corporate Talk.” I was impressed by the resources that had obviously been utilized to prepare their customer service staff to rebuke the kinds of poor customer service that they were providing. They clearly felt their money was much better spent on training their customer service staff to provide spin for the concerns that their customers brought forth, rather than just paying out on the claims that their customers had been paying for over the course of years. I felt it was important for me to share my experience so that someone else, who may be relying on the organization to hold true to their word, might not have the rug pulled out from under them. It may not sound like it from this review, but it really does sadden me to see how a once good organization no longer lives up to their promises.

My claims process has been so difficult because I ordered multiple products some that are covered and some that are not. I explained which items the claim was for but the processors cannot seem to understand that and continue to deny the claim for the items I’m not trying to file a claim for. I have emailed, added a note to the claim and called customer service and no one can help.

Pets Best is a good pet insurance. I am happy for the most part. My only complaint would be it takes too long to get reimbursed from them. They need to speed up their procedures.

Great until my cat got old. I've been with them years, my cats been often sick and they were very helpful. She's been expense but it's never been more than 1500- 2000 a year out of an 8000 a year plan. We've had bad vets since the COVID so that's been costly. Now she's a senior and they raised my rates to $185 a month, from $75 month last year. I get it, they have to make money on every cat. But it's cruel to throw this boomerang on me after being supportive for a decade. She's full of life, has a thyroid issue and allergies. The hard thing is that they were reliable and great until now...and now they are socking it to me. So why help us keep our pets healthy and living long if you don't want to insure their elder years...what's the point? Lakshmi is an expensive cat, but if your are in the insurance business, occasionally you don't profit on a customer. I have to pray on this one. 7/11. Thank you for your reply below. As I said, I understand that this is a profit making business...and Embrace did help me, and insurance rates do go up. Thank you for financing my cats well being. But generally, whether it's rent or health insurance, heating costs, rate increases of necessary services related to fundamental survival in amounts that exponentially exceed any possible increase in an individual's income are certainly gossip worthy and reflect a certain kind of thinking in the organization that does it. Anyone who invests in pet insurance considers their pet family, and are vulnerable to warm fuzzy branding..and promises of a free ride. So, it's good for people to know that they will be locked into something that can bite them back. Like the health insurance companies who were dumping those who had cancer in the 1990s before Obamacare. Pet insurance isn't mindfully regulated yet. It will take a revolution. and the vet technologies have outpaced the wisdom of those who use them. Sneaking in that midyear rate increase in March as not being a policy renewal was a little sneaky too but like a bad marriage you are stuck with we will go on, even though it's really a dangerous financial predicament I've ended in with Em brace. Certainly gossip worthy indeed And just for the record, on my part I always negotiate the rates with the vets I work with, in an attempt to keep this all reasonable. I never exploited my insurance.

Slow response 20 minute wait I hung up & going to another insurance co This company getting worse over the many years I have been loyal Bye