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Same as many others. I have an 8 year old boder collie that was denied coverage because of age.

When we got our new lab puppy, we felt we should also review purchasing pet insurance. We reviewed every company, and the one that continued to be recommended was Pets Best. The final recommendation came from our AHHA cretified veterinary hospital owner, who made a strong recommendation for Pets Best. We purchased a policy on Madison with Pets Best. Madison "Our new lab" has had her first vistit, and everything went well with Pets Best. We get tremendous peace of mind having this insurance and would certainly recommend this company to anyone. Thank you Pets Best!

i wasnt sure at first but im am so glad i got this for rascal and mikie , this is a god send for me, and i have been telling everyone about embrace pet ins, i was wondering though my vet wants info on it and i have a few people interested to, and want to know if you have flyers or information i can give them . we thank you from the bottom of our hearts me and my cats.

My first pet insurance experience was with this company; I was in part lured in by the ASPCA endorsement. I was concerned that the policies offered for my 2 cats and one dog were not particularly good but decided to give it a try. I did understand that every renewal was treated as a new application and coverage for illnesses occuring within the previous year would not be covered. I also understood the limits of coverage per illness. What angers me the most however is not that Hartville offers poor policies (after all I did purchase the policies) but that they did not reimburse fairly even given the limits of the policies. The reimbursement schedule is very low; three animals, three cities, 5 vet clinics- always the reimbursement was 60% after deductibles and co-pays (not the promised 80%). What they consider reasonable isn't. The adjusters also look for every reason to deny reimbursement. Part of a claim was denied for "timely filing" although they only want one claim per illness (how does that work?). They tried denying a claim for an emergency visit for my acutely ill cat claiming that it was due to his chronic mild liver inflammation. The cat died three days later of acute leukemia. I did finally receive some payment but only after repeated calls and many weeks. The renewal policy for the dog listed "ingestion of foreign bodies" as a pre-existing condition that would not be covered. Since when is one accidental ingestion a chronic condition? (That incident only cost them $40- a fraction of the premium- the dog was entirely healthy otherwise) In short, Hartville offers poor policies and then doesn't even honor their side of the contract. After extensive research I have been able to find better policies elsewhere for the same or only slightly more money. The ASPCA should be ashamed to partner with a company like Hartville.

Name:Kathy FastAddress: Plainfield IN Story:Our kitty's name is Patches and he is 11 yrs old. He developed diabetes in November of 2008 and I have to say how amazed I am with this pet insurance. I had been a contributor to ASPCA for helping homeless animals for quite a while and only found out about their pet insurance a couple of yrs ago. Patches was virtually always healthy, never sick and never went to see the vet except for his yrly exam and shots. Since his diagnosis, I have had to take him to the doctor several times for bloodwork and tests while they are trying to regulate his blood sugar. I am amazed at how prompt ASPCA is in paying their claims, and they have paid exactly what they said they would pay. I feel like I have a "guardian angel looking over us by having this insurance thru ASPCA. I don't feel so quite alone in going thru this with Patches. He is doing great, his blood sugar is coming down although the vet said it may take a while for us to go to where it needs to be. I just feel so fortunate to have found this insurance --it has been a lifesaver, especially with the times being so hard right now Thank you ASPCA! Kathy Fast

My dog had a traumatic injury that injured his patella. They refused to pay my claim b/c they said it was congenital. The dog did not limp before the injury. I filed a dispute and they still said the same thing. The company is a joke and they steal money. I guess since all animals have genes then every condition is congenital. They just did not listen to me or my vet. I am going to specidically not recommend Pets Best to all my friends/relatives. Also it took almost 3 months to get as far as I have gotten. They are worse than people insurance. They probably just reject claims hoping that no one will dispute them.

I faxed in my claim on a Friday, it was acknowledged on Monday, payment confirmed on Wednesday, and I received my check the following Saturday. This is my first experience in pet insurance, but PetsBest was recommended by several people, including a vet who has 8 dogs insured thru PetsBest. My claim was simple - just a wellness claim - but I was impressed with the speed.

I recently had a billing issue that was corrected immediately by Chris Hagesfeld, including follow-up email and postal mail responses. Chris provided a level of customer service that would be hard to beat. As a newer policy holder, I've yet to make an insurance claim, but based on Chris' professionalism, I'm confident I've chosen the right pet insurer.

Even though I was purchasing vet quality food and doing everything right, my 4 year old cat wound up with a blockage of his urinary tract on a saturday afternoon. I had been paying into a policy on him for about 3 years and was starting to consider just not bothering it with anymore. Thank god I kept it! Petsecure was great about the claim. I had my cheque in under 10 days. I had called to check on it and the claims adjuster that I spoke to was very polite and patient and asked me how Inky was doing as well. I felt very comfortable with the whole process and am happy that I kept the policy because now if there is any further problems I will have coverage. I think that it is seriously one of the best things that you can do for your pets, and looking back, what I paid for it during the time he was healthy definitely benefited him when I really needed it when he got sick.

I have had 2 types of plans with ASPCA. I had an emergency plan that I didn't think I'd ever use. Unfortuntately, it came in quite useful when my cat became seriously ill, and ultimately passed at only 1 year of age. The customer reps that I contacted both online and by phone were very helpful and supportive. I purchased another contract for my new kitten, and have also experienced wonderful service. My questions are answered promptly, and claims are handled in an efficient manner. I would and will purchase again.