Pets Best | Pet Insurance Review

My cat had a uti and had to go to the ER so things were already stressful, so when I filled my claim it was was possessed fast so I had less to work about

This Pet Best insurance company is on top of everything like your claims that are taken care of right away, and they make sure your pet’s needs are being cared for.. they get a A+ from me.

I purchased an accident-only policy with Pets Best expecting coverage in the event of a documented emergency. In November, my dog suffered a traumatic injury, resulting in acute paralysis. Emergency records documented a suspected spinal injury, and a board-certified neurologist later diagnosed intervertebral disc extrusion with myelomalacia. She had no prior medical history. Despite clear documentation of an accidental spinal injury, Pets Best denied the claim, first stating it was “not an accidental injury.” without providing any meaningful explanation or reference to the medical findings. When pressed for clarification (in writing), they reclassified the condition as a cruciate ligament event—even though no veterinarian diagnosed a cruciate ligament injury and the medical records clearly identified a neurological spinal condition. The claim was ultimately reversed only after I filed a complaint with the California Department of Insurance. While reimbursement was issued, it required regulatory intervention and multiple rounds of follow-up. Insurance is meant to provide peace of mind during emergencies. In my case, I had to escalate and involve a regulator before the medical records were appropriately reviewed. There was no acknowledgment that the original denial was incorrect and no apology for the financial strain caused. Based on this experience, I would not recommend Pets Best.

With our last dog the coverage and service was amazing. With our new dog, I started with a higher deductible by mistake. I called to make changes and you can NEVER make a change unless it’s to up your coverage. So basically nothing is covered for this dog which is a bummer. When I was talking to the rep she mentioned I could switch insurance companies but everything she’s been treated for so far would be considered “pre-existing” and not covered somewhere else.

Premiums went from $370+/- to $799 in one year so next year will be my deciding year whether we continue with Pets Best. Claims process easy but simply getting too expensive