Pets Best | Pet Insurance Review

I’ve left other reviews elsewhere and should have just saved them for a copy and paste. Tired or retyping. But basically this company will make assumptions about your animals diagnosis and decide whether or not to pay based on anything you’ve ever told your vet, even without a full diagnosis. It’s not their job to make that decision of a diagnosis but they take it upon themeselves to do so. My GSD got spayed and had a UTI (diagnosed) right after. We worried it was a pyometra. It wasn’t thankfully. But I got insurance after that event. So understandable that’s not covered. Well a few months later, about 3 months, she starts peeing herself during naps or sleep at night. Never done that before besides when potty training. (I got her spayed after she turned two). So this is clearly a problem. Well the vet starts looking into it and this company decided that it was a prior existing issue and didn’t cover anything. Had to fight them for 3 months or so. Back and forth with more claims and such and every appt that followed they just basically said to screw off. Eventually I got enough evidence through the vet and some notes and letters on common sense for the explanation of potty training being her only accidents before and what USMI is (her incontinence due to post spaying) and they finally caved though I know it hurt them to do it. Now they’re thankfully folding every time and helping us out. But also be aware, their deductible is not what you think. It’s prolly in fine print, but their deductible is all slowly added up by them taking their percentage of the bills. It’s not based on how much you spend. So if you chose a 300 ded like I did, it’ll take you about 4 vet visits before you’ve paid well over 500-800 bucks before they start helping bc they do co pay before you reach ded too. That’s news to me. Maybe others are used to it. Finally, if you have to order meds online, good luck. I sent them the max amount of docs via screenshots of my order and they denied it. I’ve given up on past orders bc of how trash they are with it. They caved one time on giving help for the meds. But I had three other orders they didn’t help with. Only two of which (I believe) I even tried. So many screenshots. But they come back and basically need more stuff. Usually stuff you don’t even have or receive. So good luck. Please. I beg you. Boycott this company and watch them fall. They’re so bad. Please save yourself. Also I guarantee next years premium for us will be like 5000 after they’ve had to pay like 500 bucks total for my dog on the year. My poor dog is going through it this year trying to figure these things out. But I’ve probably spent over 1k myself. Plus the initial 3-400 premium to start the year and their 80% help as I signed up for. Next year they’ll ask for a ton of money and I’ll tell them to kick rocks. I’m taking business elsewhere after draining them for every penny I can try to get through legit appts and meds. Thanks for reading guys. I’m out.

Claims experience is quick. Payments are directly deposited so the refund process is very smooth. I am getting a new pup within the next year and you can be sure I will add her to my Pet's Best policy. I have recommended Pets Best to my DIL and now she loves Pets Best for her labs.

I researched numerous pet insurance options before landing on Pets Best. I had heard a number of stories of bad experiences with pet insurances, so I was still a little skeptical of how much I could rely on coverage when the time came. I ended up selecting the Accident and Illness coverage plan as I really just wanted to have peace of mind in being able to financially cover any unforeseen emergency vet bills. This year my dog had to have surgery in to remove a non-cancerous tumor, and I recently had to take him to the emergency vet in an unrelated incident due to a foreign body he ingested. I was particularly nervous about the cost of that emergency bill since it included an x-ray and sedation, plus my dog had to stay at the clinic for a full day. It was a super easy process to submit claims for both vet bills, and it was very clear to me which costs were going to be covered based on the plan I had selected. I was reimbursed at the exact rate selected on my plan after I met my deductible, and there were no additional requests to file additional paperwork or medical history for my dog before the claims were processed. I am thankful to know that my dogs pet insurance plan actually covers the services I need it to when I need it to. I would definitely recommend this plan as a budget option and to ALWAYS READ THE FINE PRINT!

We brought Aspen to our vet for an ear infection, it was at this appt that our vet found a heart arrythmia, we were in complete shock, but so glad we purchased pet ins from Pets Best, it really helped when we needed it and we were able to focus on Aspens health with less worry about the cost at all her cardiology appts and tests. Thank you Pets Best !

Quick snd easy claim filing. Decisioned in less than 48 hours. Paid exactly what I anticipated based on my understanding of the policy. Communicated quickly by email. Great experience!