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I was impressed by each step of the process in submitting a claim. I was notified my claim had been received and quickly updated as it was reviewed. A check was issued within 10 days of the medical incident - my own family doctor should be so prompt!

Unfortunately, I will need to cancel this year due to another huge premium increase (from $66 to $98/month!), but I will say that they have been awesome and have paid almost 3K this year on my elderly hyperthyroid cat. Never had a claim denied and the money was in my account within a week or so. I took the policy off most of my cats last year due to another huge increase and I am cancelling it completely this year - but if you feel the price quoted is acceptable, they do pay claims without a hassle and I can recommend it on that basis.

This is an update to a review I published several weeks ago. I hope that it appears as prominently on this Web site as so many of the positive reviews do. I've just completed an appeal with Pets Best on a claim that was denied the first time around. The first appeal itself has now been declined. What's exceptionally frustrating about the experience with Pets Best is that I'm not an uneducated consumer. I knew exactly what my policy bought, and what it didn't, and how my deductibles worked. At the beginning of this year, my dog had arthritis treatment, for which Pets Best reimbursed me about $1,000. This was satisfactory and within the terms of the policy. A couple of months later, I learned my dog needed two cruciate ligament surgeries, one on each knee -- one for a fully ruptured ligament, the other for a partial tear. I called Pets Best twice in April, prior to the surgeries, and twice was told the surgeries were "separate incidents with a cap of $2,500 reimbursement each." Thus, I approached these two surgeries (they would eventually total $18,000) knowing I should only expect back a maximum of $5,000, and not more. Good enough, and I'd have to live with it--in fact, Pets Best didn't always provide any support for cruciate ligament injuries, because they are so common in large dogs such as labradors, but in the last couple of years they advertise that they have made their policies more attractive by offering that "$2,500" per incident coverage for the specific injury. The first surgery came with an initial bill for $7,500, and Pets Best reimbursed me for $2,500. That was exactly what I'd been told to expect. After the second surgery, though, they only reimbursed $1,500, claiming that I'd already "dipped into the cap by $1,000 earlier in the year with the arthritis treatment." Huh? As noted, my dog was treated for arthritis earlier in the year, but the arthritis was unrelated to his ligament surgery. In some cases, arthritis can be related to damage in cruciate ligaments - this just wasn't one of those cases, as my vet attested, in writing. A Pets Best "Customer rep" named Jesse Park said that it would help my appeal to provide a letter from my vet stating that my lab was being treated for "arthritis as a fully separate condition from the two ligament issues," and that the "arthritis is not connected in any way causally to Griffin's cruciate ligament injuries."Also that my dog's "arthritis treatment was delayed due to the cruciat

While I wish their coverage was more comprehensive for wellness/ preventative care, it was great in an emergency situation. Our dog was vomiting with bloody diarrhea for about a day and 1/2 and just not herself. We noticed it getting progressively worse and that she refused to eat and wasn't really moving much. She was admitted to the vet hospital for about a week due to potential pancreatic issue. Our bill was around $8,000 after everything and ASPCA covered a large portion of it, making it much easier for us to get the care that she needed.

claim was submitted and handled in a quick manner

claim was submitted and handled in a quick manner

Our 9 month old puppy accidentally got into the garbage and, unfortunately mixed in was a lot of grapes. We rushed to the ER but fortunately everything came out alright in the end. The bill however was nearly 2500 bucks, including a vet's follow-up visit the next-day. This included two nights in the ER, etc. We were able to easily use the app to take a picture of the bills and make our claim. I had the 90% coverage and I was glad. Being pretty cynical, I assumed everything would get rejected on technicalities or would get lost in their system but they put it thru right away. And they even sent an email checking on my dog. Amazing.

Benny had a dislocated tail....submitted several claims and one appeal...all acted on in due time....no complaints

Benny had a dislocated tail....submitted several claims and one appeal...all acted on in due time....no complaints

Last year we rescued our cairn terrier Lucy. She is a wonderful dog but suffers from many allergies. To date, we have had her to vet several times for treatment. Embrace has paid all the claims quickly. Good company - quick responses and easy to navigate. The claim forms are easy to complete and we keep some blank ones at the vet. Good choice.