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It is easy to setup a policy on the website, but try to terminate a policy; it's like pulling teeth. If you e-mail them, they don't respond, when you call them, the customer service extension has a long queue. If you call and speak to the sales department they are clueless and only try to upsell you on a product you don't want to begin with. Once you get through to cancel the policy, they try to talk you out of it and tell you they are best company cause they cover more than all the others. WRONG!! If your dog is diagnosed with a hereditary illness, they will cover the loss the first time and at renewal, it will be a pre-existing condition and you won't get a dime. Pet Plan US - www.gopetplan.com offers a Guarantee for Life Policy which covers hereditary conditions and will not consider it a pre-existing condition in the future; plus great customer service!!

I do not recommend ASPCA. They do not return my phone calls and half the time do not answer their phones. We recently sumbitted a claim that should have been covered by our plan, but they denied it for no reason. After we called to dispute, they completely changed our claim, from an injury to an illness. My dog was injured not sick! Shop around before using them!! Also, they were supposed to get back to us and they still haven't. We are canceling immediately and looking for other coverage.

I have a large unusual breed dog that has had three surgeries and Pets Best has come through each time and paid exactly what they said they would, and did it on time. Without Pets Best, it would have been a hard effort to pay the thousands of dollars it would have cost me. Their staff was very helpful in answering my questions and unlike other policies, Pets Best policy is very simple to understand and use.THANK YOU PETS BEST for being there for me and my best friend.

My husband and I have been with Pets Best for about a year and have nothing but good to say about them. We feel comfortable and confident in our purchase and have recommended them to friends and family. Understanding that it works on a reimbursement process -- much like a flex plan -- has been helpful and also learning that it's not doggy dental insurance. Even with that, I would recommend Pets Best without hesitation.

Have never had a claim denied and am almost an obsessive pet owner. If Macy sneezes we go to the vet! Very happy with the coverage. I am on the most expensive plan though.

I have only filed one claim to satisfy part of the annual deductible, but I would definitely recommed Embrace. The premium is very reasonable and the staff is outstanding.

First claim was quick after they received all the information they needed.They were extremely friendly and caring. Better service than my personal health insurance!!

I have not had to use my insurance yetbut i would like to take my chihuahua in to get fixed and it is going to be about 445.00 and p/b will only pay 134.00 of it because thats all they will pay quarterly.. why do i have insurance for and i pay them 54.00 a month and have had it for about 6 months.....

I know PetsBest is new as a company, while their founder has many years of experience as the founder of VPI, I still did have minor issues with the claims processing. Over a technically they denied a claim but after an appeals process that only took 3 days my claim was approved and I had my money in less than a week. I like the improved coverage and the ability of the reps to take the time to educate themselves in order to help me.

I was looking for an insurance company and policy that was easy to understand and small enough for personal service.I decided to give Embrace a chance. Within a few months of starting my policy, Mugsy had to undergo heart testing-EKG, holter monitor and the works. I didn't think it would be covered but one phone call to Embrace guided me through the process. Because he had no history of heart problems, all his tests were covered. Within a few weeks of submission, I had an E-mail telling me that my check was in the mail. Thank you Embrace! I will definitely recommend you to my friends.