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.

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

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!!!!!!!

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.

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.

I tried to cancel and gave all my info to the person who answered the phone, but they had to transfer me to the cancellation department. I was on hold for 40 minutes and never got anyone. I had to hang up; I could not wait any longer. Now, I have to change my credit card number so they cannot charge me for the next month.

I just switched to Embrace after using another company and I am beginning to question my change. I submitted a claim and it was declined and when I reached out 3 times for details no one ever reached back out to me! I am starting to wish I stayed with the other company. DO BETTER EMBRACE!!

I filed a claim for my 6yo Tibetan Terrier's ear infection which occurred within the 14 day waiting period. It wasn't covered, which I completely understand. However, it is now deemed a pre-existing condition, and any ongoing issues she may have due to this infection or any ear infection from here on out will not be covered. Even if it's in the other ear? Also, Pets Best excludes medicines, which were covered by her previous insurance., Read the fine print. And if you have a question that isn't in the FAQs, be prepared to go through a many call prompts and an extended wait time on the phone.

RUN Trupanion takes medical claims submitted never reaches out to the veterinarian medical provider for those medical records in order to process clams correctly instead processes the claim as a new per condition, making a bottomless deductible over and over and over again in the year 2024 for the same condition submitted claim after claim, and each claim was processed as a new per condition claim using a bottomless deductible never paying out this practice should be illegal because it makes the consumer go through the appeal process each time a claim is processed as a new per condition deductible. Their responses go through the appeal process hoping the consumer will not and they never play on a claim Trupanion

My dog ​​was adopted when she was 2 months and is a stray dog. She has all his vaccinations and at every visit to the vet for vaccinations there is a report saying that the dog was in good health, since this is a condition for the dog to be vaccinated. She has never been sick and we have never had to take her to the vet. She started limping because of a bacterial infection that was misdiagnosed as an orthopedic problem and then referred to another clinic that made the correct diagnosis. Embrace used the first misdiagnosis to claim pre-existence in a puppy, and it took more than a month to return with the denial of the claim.