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Pets Best Insurance
2710 Sunrise Rim Road
Boise, ID 83705
phone: (888) 899-0402
website: http://www.petsbest.com
claim form
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Currently offers plans in 46 states. Founded by veterinarian Jack Stephens, founder of VPI.
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Most Helpful Reviews of Pets Best .
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10/10 I would recommend Pets Best, 4/5/2009
Reviewed By: Dr. Paige Garnett, Recommend: Y
As a veterinarian, I am asked to pick an insurance company to recommend. I liked the 80%/20% structure, the accident only option, and the fact that the person who designed the insurance had a lot of previous experience starting VPI.
I took a policy out on my own very young border collie for several reasons. I wanted to see how fast they processed claims and I wanted to find out if I would be a satisfied customer.
This dog came from a shelter with a mass on the top of the head. It was removed at the time of her spay, submitted for histopathology, and found to be benign. We also were told we got clean margines (meaning - no tumor extended below the surgical site - we got it all).
I took out the policy. Then, 3 months later, TWO tumors developed at the same site. I was very curious to see if they would pay on this. I submitted the bill, and they paid the 80% (we did document the first surgery results - that a clean margin had been obtained etc.)
So - I do like Pets Best. The accident only policy is very affordable for many clients and covers many devastating events. I advise a more complete plan, but even the accident only will give most clients peace of mind.
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10/10 Wonderful insurance, 8/6/2010
Reviewed By: Judi, Recommend: Y
I've had 4 claims over a 3 year period with Pets Best. It has been easy to file claims, and they have always covered the entire bill without question, minus my $75 deductible and 20% copay. Last year I got back the premium amount because of one foxtail-in-the-nose incident (ouch) and a concern that Hannah was losing weight, which necessitated blood tests. For the foxtail, I had to take Hannah to 2 different vets because it didn't look like the first vet solved the problem. They waived the $75 deductible on the second visit because it was considered the same incident. I was so pleased, this year I purchased insurance for my new (to me) second dog, Roxie. She was clawed by another dog about 10 days ago and had a big incision. Again, they covered it promptly. Unfortunately I didn't have pet insurance for Roxie when she developed nerve cancer right after I adopted her--so I paid for treatment myself. And although her policy considers nerve cancer a preexisting condition, it will cover her if she develops another kind of cancer. It's nice to have the peace of mind that the girls will be covered for unforeseen illnesses and injuries, especially as they get older. Roxie is 8 and Hannah is 11.
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8/10 Worth Having, 1/19/2008
Reviewed By: RC, Recommend: Y
This is the second time I have reviewed this company. I am excited to say that I have been pleased with some of the changes they have implemented. Initially I gave them a low score of 2. This was heavily influenced by claims processing time exceeding what was listed on their site. I also thought that I would not be doing business with them even a year later. So, what's changed mind? These things...
I was impressed by the fact that a representative of the company saw my initial review and personally contacted me via email thanking me for my review and letting me know that at any time they are happy to listen to my concerns. A good company will go where the customers are and look for ways to improve their customer's experience. They have improved billing by not requiring two months premium when starting a policy and now offer a plan where your payment remains the same. For a minor fee, your pet's rate remains the same until age 10 (I believe). They could further improve this by averaging premiums on a yearly basis regardless of the age of the pet, but they are moving in the right direction. They have updated their web site to accurately reflect the length of the claims process. In all the times I have filed claims, absolutely no surprises or denials. They have always paid their 80% after deductible.
Recently my oldest cat was not doing well and when I took him in for examination, the vet discovered a heart murmur. We had xrays, ultrasound, electrocardiogram and a blood panel done to aid in diagnosis. I was very pleased to have deposited my check for $398 out of the $600+ spent on these procedures. The turn around time seems to have improved over a year ago and took about ten business days from filing the claim via email to having the check in hand., Much, much better. They also sent email acknowledgments to let me know they had received the claim and again to let me know they were processing it.
I tried another insurer first with my new kitten then with two other cats for several months. I did not cancel my Pets Best policies during this testing. There were surprises when it came to paying out claims and ultimately I don't need any surprises when one of my cats gets sick. No surprises from Pets Best.
My final comment is regarding the wellness plan. You should know that if you sign up for wellness and cancel the plan you must wait one year before you can sign up again. It also states in the policy that if you cancel the wellness, they may decide to cancel your accident/illness as well. I don't know what one has to do with the other, but this should be changed. To be clear, they did NOT cancel my plan when I discontinued the wellness, but knowing that they reserve the right to do so is why I am reluctant to sign up for wellness again. If you have multiple pets, it is probably best to sign up for wellness one at a time. I have six cats and when one got very ill, I was unable to proceed with the regular wellness for the others until his bills were resolved.
I feel this company is making every effort to listen to it's customer's and improve the quality of their products and service. If they continue on like this, I have every confidence I will be a happy customer for the life of my pets. I have and do recommend them to friends with confidence. In my experience they offer great value and relief with minimal surprises when it's time to pay claims.
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Most Recent Reviews
10/10 THERE IN TIME OF NEED,
My darling little Muffin was the most adorable well mannered very healthy and happy shi-poo until one day she… read more
Added 8/13/2010 by: Diane Bruckman
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4/10 Buyer Beware,
For the most part, PetsBest was pretty prompt in acknowledging receipt of claims and issuing checks. However,… read more
Added 8/12/2010 by: Susan Mead
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9/10 great service,
As a veterinarian I never thought I would need to insure my pets, but given the rising expense of veterinary… read more
Added 8/10/2010 by: Heather
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10/10 Pets Best is the BEST,
Our enlish bulldog Dozr who is 10 months has had his share of puppy accidents/illnesses in his short time.… read more
Added 8/9/2010 by: Brandi
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10/10 Pets best gave my dog extra time,
Pets Best gave my dog 10 1/2 extra months. he was diagnosed with cancer and only given 3 months to live. Read… read more
Added 8/8/2010 by: Beth
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10/10 Fabulous company - highly recommend!,
My girl Precious(Anatolian/golden mix) had 2 mammary tumors removed, and they ended up being cancerous. … read more
Added 8/8/2010 by: Tracy
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10/10 Wonderful insurance,
I've had 4 claims over a 3 year period with Pets Best. It has been easy to file claims, and they have always… read more
Added 8/6/2010 by: Judi
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