Pets Best | Pet Insurance Review

Pets Best has made a clearly unfair decision to my claim. First, it took more than 6 weeks for Pets Best to make a decision. Second, Pets Best based on incomplete information, and partial evidence to decline exams with reason of "pre-existing conditions". "Pre-existing" seems to be a super token for them to decline customers' claims for anything they don't want to cover. It's a gray area, so be careful of what you said to your doctor and make sure your doctor got it right to the medical records. My dog has never been diagnosed with Urination Inconsistency prior my visit in November, 2022. It was only based on my own words mentioning that I noticed some urine dripping about a year ago, but it went away. There is no medical records to prove that my dog has urination incontinence prior my November visit. It's like if your dog had diarrhea a year ago, they would consider anything related to diarrhea is "pre-existing". Because of they determined my dog had "urination incontinence" as a pre-existing conditions, they don't even cover Urinalysis test. This is outrageous!! Urinalysis is a very common test to see if there's any infection and to seen any abnormal chemicals/ bacteria in the urine. Just based on my own words of "dripping urine", they rejected to pay for the urinalysis for rest of my dog's life!! If my words can be used as a diagnose result, I can be a doctor too. I am not a doctor, why they used my mentioning some symptoms I noticed a year ago as a medical condition. Plus, Pets Best is very dishonest on calculating the payment amount. According to the policy, after customer has fulfilled the deductible, co-pay should be calculated by multiplying anything after the deductible by the percentage of customer's responsibility based on the plan you buy. However, Pets Best used the whole amount (including the original deductible portion) to calculate the co-pay amount that I owe. I called the customer service, they just said they are complied the underwriting rules. I need to see the documentation, not anything Pets Best said is a rule. Be aware of this insurance company! Very dishonest and sneaky. They will find any loopholes of not paying.

Everyone at Pets Best Pet Health Insurance is so friendly and helpful. We are so happy we’re part of the family…. especially Leo! Thanks again for being here for us!

Pets Best is very good. My furbaby had a medical emergency while we were on vacation, then i remembered I had the insurance. Just wish they would provide pre-authorizations in instances such as emergencies so parents won't have to come out of pocket.

My experience with Pet's Best has been great. The turn around for the claims I've submitted has been very fast. When I've called everyone I've spoken to have been extremely helpful. I am so happy for this help as I have multiple pets that have had illnesses, and I couldn't afford to pay out of pocket for expensive vet bills.

Insurance end date was input incorrectly by customer service, so my claims were denied after a month of processing time. After I called to have my end date corrected, it took another month to be reimbursed.