Claim Coverage
Explore detailed reviews about the claims process and coverage provided by pet insurance companies. See how quickly claims are approved, what’s actually covered, and how satisfied pet parents are with reimbursements.
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Disregard what the policy states.
Paxton has accident insurance through ASPCA and was running on November 29th 2025 when I witnessed him in an accident. I took him to vet and confirmed a partial ccl tear. I got an estimate for surgery advised from ASPCA for a quicker payment. They denied his claim. The reason was: They claimed it was considered a disease other than injury. ASPCA since his claim has changed policy to read as all ccl issues are under a disease. But what they are not understanding is his policy during injury was covered in 2025 the policy hadn't changed til 2026. Now the appeal was denied. There's nobody to talk to just keep fighting, meanwhile he still has an injury. They keep referring to his issue as a disease when his policy at that time falls under an accident. So tell me this is fair? Id love someone to talk to about this situation that has some knowledge.
All the Allergies
I had an excellent experience with Pets Best Insurance. I recently submitted a reimbursement claim for my dog, Shamus, for his allergy medication, and the process was incredibly easy. My claim was reviewed and paid much faster than I expected, making the entire experience stress-free. It's reassuring to have a pet insurance company that processes claims efficiently and delivers on its promises. I truly appreciate the quick turnaround and excellent customer service. I highly recommend Pets Best to anyone looking for reliable pet insurance and prompt reimbursement.
Great Service
Fast turnaround. Great communication. Great coverage. The website is easy to navigate through. I will continue to use Pets Best for my little Pomeranian
Insurer: Pets Best
By: Marla
Insurance Claims Submission
It is as easy as snapping a photo and clicking a few boxes to submit. I wish all insurance claims were this easy.
unplanned ER visit
We had an emergency after our dog ingested a foreign object. We got her treatment on a Friday afternoon and uploaded the documents from the ER that day. By Monday our claim was being reviewed, by Wednesday morning we had a response outlining the decision and payment for coverage that was on it's way to our bank. After the copays and deductible, all of which we knew about ahead of time as being part of the plan we chose, we were very happy with the coverage reimbursement and the speed in which it was done. Thank you!
Insurer: Pets Best
By: sarah
They like to deny clams
Bought the wellness plan also had to fight to get reimbursed on her getting fixed, and now was denied my claim on her boosters and final rabies shots, and already raised my monthly premium a year in👎👎👎👎👎
Great claim process
Claims are super simple to submit. You can easily track the status online and I got a decision in about a week, in some cases faster. I was also paid out quickly and was happy with everything that was covered.
Avoid Pets Best at all costs!
PETS BEST PET INSURANCE SUCKS! DON'T BUY IT WHATEVER YOU DO!!! THEY SAY THAT THEY COVER EMERGENCY VISITS. WELL, MY FUR BABY WAS DEATHLY SICK AND THEY DENIED MY $5000 CLAIM. I'M GOING TO CANCEL MY POLICY WITH THEM IMMEDIATELY. PLEASE DON'T USE THEM AND SPREAD THE WORD THAT THEY LIE! Thank you. P.S. She is doing much better now. It was just very expensive out of pocket. But she's my baby!
So Very Disappointing
We have been insuring our dogs for years with PetsBest using it very infrequently--only once years ago that I remember. This time it was for our 7 year old Bichon Frise, Sadie, who goes to the vet regularly for her normal well care. In December we saw two bottom front teeth felt loose. Vet exam suggested removal of some more loose teeth within a year. We returned 9 months later to set up the removal. Our vet assured us "little dogs", especially this breed often suffer this tooth issue, and it can develop rapidly. Once our vet got in there many of her teeth showed periodontic disease & to protect her health and life those teeth had to be removed and the disease cleaned out. MUCH TO OUR SURPRISE PetsBest totally turned down an over $2400 vet bill because we did not put our dog under anesthesia for a dental cleaning within 13 months of the procedure. Our dogs are medically well taken care of, but we honestly would not put our pup under anesthesia for a teeth cleaning regularly. Her teeth were checked every visit it was only recently that we noticed 3 loose teeth and we complied with the vet's timeline NEVER thinking there was that much periodontal disease that was threatening our dog's existence. After paying thousands of dollars in premiums to PetsBest over 7 years of this dog's life and now 3 years of our Shih Tzu's life we are basically ready to CANCEL both of our dogs' PETS BEST INSURANCE as it was more economical to pay for the multiple tooth extraction out of pocket than it was to pay all those years of premiums PLUS the NOW out of pocket procedure cost. YES, we admit that upon researching the policy after the denial, we did find the stipulation regarding the cleaning within 13 months in order for the procedure to be covered but we also found that little dogs, especially Bichons can have a rapid onset of this life-threatening condition. Also PetsBest as far as we see in the policy does not cover the under anesthesia teeth cleaning. We had the vet price the cleaning procedure for us and the cost is between $1600 to $2100 dollars including tax. WHY are we bothering to pay all this money to PetsBest when they won't cover a lifesaving procedure when we need it. Also this is basically what our vet said about our dog's condition when we found the original noticeable teeth issue and we asked if we did anything to cause it before we even found out how extensive it was : "Periodontal disease is a common and serious dental condition in Bichon Frises, affecting a significant portion of the breed. In a 2024 UK VetCompass study of 1,780 dogs, 19.4% of Bichon Frises were recorded with periodontal disease, with prevalence estimates ranging from 17.6% to 21.4% pet-index.com. This makes it one of the more frequent chronic dental conditions in the breed, second only to allergies in veterinary visits Bichon Frise Club of America. Be really careful what pet insurance you choose to pay for your animals and READ the policy closely before you sign up. We would NOT have chosen a policy that required an "under anesthesia dental cleaning" for a pup of any age no less 7 years old unless specifically recommended by our vet for a specific reason--not to mention at that cost for a cleaning that would NOT have stopped this dental condition in this breed and then have to do the follow up procedure anyway makes PetsBest premiums a waste of money.
Insurer: Pets Best
By: James