This company skirts over the fact that your deductible is used in an untypical fashion. For a $1300 bill, they only covered $49. My deductible is $1000 and I pay 20% of the bill that’s covered. The issue is that they calculate the 80% they pay first, put your deductible towards that, and then reimburse so it’s a much smaller reimbursement than typical insurance would do. I’ll be switching back to Embrace even though my premium will be a little higher.

Do not use this company I have canceled my service out in November and they didn't take payment out in December and they took both payments out in January they're supposed to give me half of the refund.I'm going to dispute the other half and if.I don't get my money back that way I would take this company to small claims and I'm going to share this on Facebook and other Media.

Terrible customer service and trying to rig me on reimbursement

Denying claims that should be covered, I am wasting my time with a 2nd appeal

As a former Petsbest customer, I strongly advise other pet owners to steer clear of this insurance provider. My two-year experience with them was nothing short of frustrating and disappointing. Their definition of "pre-existing" condition is so broad that it will be very difficult for you to get reimbursement. The diarrhea-related claim I submitted took 5 months to process, and at the end I got an email saying my claim was rejected because they did not receive necessary medical information from my vet, while I feel they could at least inform me about this so I could contact my vet for the needed info. I then called to cancel the policy, but the representative of course tried to keep me on the policy and said they could re-open the claim for me. This time after two additional months, my claim was denied again, because it was a "pre-existing" condition as it had happened once before, when my puppy was 2 months old. As such, I was told all future GI-related issues will be considered preexisting condition and will not qualify for coverage. I feel that is very unreasonable, because a two-months old puppy just transitioned out of the breeder's home to me, the diarrhea could be caused by entirely different reasons, such as changing kibbles, environment. And the medical record supported this because my doctor didn't find anything wrong at the time, no parasite or virus after a panel check. The representative I spoke to on the phone, Richard, was also very rude and impatient when explaining the outcome to me. After faithfully paying premiums for two years, I have nothing to show for it. Petsbest's lengthy claim processing times, questionable denial practices, and subpar customer service make them an unreliable choice for protecting your beloved pets. Save yourself the headache and look elsewhere for pet insurance.

I have been a Spot Pet Insurance client for about 13 months. My Premium for both my dogs together was 116/ month. When it came time for renewal, the charged me 151/month, over a 30 % increase. When I asked about his increase they informed me that it was due to the age of my dogs and because of the Vetinarian rates in my area. My oldest dog is 11 years old, so a 1 year increase in age should not translate into a 30% increase in premiums, nor do I beleive that Vetinarian rates increased by 30% in my area. Therefore, I consider this a "bait and switch" tactic. As a result, I cancelled my Spot Pet Insurance and will look elsewhere.

As a former Petsbest customer, I strongly advise other pet owners to steer clear of this insurance provider. My two-year experience with them was nothing short of frustrating and disappointing. Their definition of "pre-existing" condition is so broad that it will be very difficult for you to get reimbursement. The diarrhea-related claim I submitted took 5 months to process, and at the end I got an email saying my claim was rejected because they did not receive necessary medical information from my vet, while I feel they could at least inform me about this so I could contact my vet for the needed info. I then called to cancel the policy, but the representative of course tried to keep me on the policy and said they could re-open the claim for me. This time after two additional months, my claim was denied again, because it was a "pre-existing" condition as it had happened once before, when my puppy was 2 months old. As such, I was told all future GI-related issues will be considered preexisting condition and will not qualify for coverage. I feel that is very unreasonable, because a two-months old puppy just transitioned out of the breeder's home to me, the diarrhea could be caused by entirely different reasons, such as changing kibbles, environment. And the medical record supported this because my doctor didn't find anything wrong at the time, no parasite or virus after a panel check. The representative I spoke to on the phone, Richard, was also very rude and impatient when explaining the outcome to me. After faithfully paying premiums for two years, I have nothing to show for it. Petsbest's lengthy claim processing times, questionable denial practices, and subpar customer service make them an unreliable choice for protecting your beloved pets. Save yourself the headache and look elsewhere for pet insurance.

The response rate is EXTREMELY slow for very basic claims. It took months for Embrace to obtain obtain documentation which I obtained with a quick phone call. They payment for my covered claim took months. I would recommend paying more for another service for a better response rate.

Terrible decision, I just cancelled our coverage with this company. They barely cover anything. They lie when signing you up. I was told a certain price I would be paying per month and then was charged double. When I called to ask about this they told me they do not have any coverage for that price per month and they told me they reviewed the phone call and that I was told the cost and coverage and I agreed to it on the call. No proof for me to see or hear I just have to assume they are right and actually listening to the call I had.

I pay almost a 1k a year for coverage - but most time they deny everything. Beware - even if you vet notes a tear they won't cover anything eye related, they didn't cover the annual teeth cleaning (I pay extra for the wellness benefit), I forgot to upload before 3 months of incident - denied. Super unhelpful, hard to cancel.