[SillyGoose]

I was teeter-tottering between Pets Best, Lemonade, and Embrace to insure my dog. I signed up with Pets Best about a month ago and wanted to share my thought process/experience in case it helps others. I leaned heavily on this pet insurance comparison that @Kimberly Alt shared with me. Ultimately my Lemonade quote was the lowest but when I dove deeper I noticed that I’d need to tack on a bunch of add ons to have it be comparable to the Pets Best quote. The main things I’m concerned about for my dog are orthopedic issues and cancer. I know those can be pretty expensive. I decided that the unlimited plan from Pets Best would better protect me from these potential costs. I opted for an 80% reimbursement and a $500 deductible to make the plan fit my budget. I read that claims can take about a month to get reimbursed, which I’m not a fan of. But, I have a credit card that can help me get by if things get too expensive. I also like that Pets Best had better dental coverage than Lemonade. I love Embrace’s coverage, but ultimately Pets Best won out because it was more affordable and didn’t require an add on for prescriptions.

I am officially out of the waiting periods for illnesses, accidents, and hip dysplasia, which gives me so much peace of mind. Ligament injuries require 6 months of insurance before coverage kicks in. My dog is young and in good shape right now, so I’m hoping this isn’t an issue for us. I feel good about my decision and appreciated the articles on this site so I wanted to share my experience in case it can help someone else.

[MichaelJ]

I’m considering getting Pets Best for my new Lab mix, but my only hesitation is that they seem to take much longer to reiumburse you, according to the info on Canine Journal. Does anyone have experience with this? or know why they take longer than many other companies? Thanks!

[Sadie Cornelius]

I have Pets Best for my Cavalier King Charles Spaniel who is 4 years old now but has been insured since he was 1. I’ve filed nearly a dozen claims over the 3 years we’ve had it and yes the reimbursement time can take up to 30 days in my experience, depending on the claim. We had Embrace with our previous Cavalier and they were very quick to turn around reimbursement (less than 24 hours). Overall though we’ve been super happy with both plans, no issues with customer service or complaints. It really just comes down to what’s important to you and who offers the best coverage given your specific dog’s needs and your situation. You can read about my claims process from both Embrace and Pets Best and how it saved me thousands of dollars in pet bills. Hope that helps!

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