Pets Best | Pet Insurance Review

We have been very pleased with Pets Best insurance. Prices on packages for insurance are very reasonable. The app also makes it very easy to submit claims and they take care of them quickly usually between 7-10 days and the direct deposit into your bank account on reimbursements is Awesome. Love that they also have a vet online call 24/7 and customer service where you can actually talk to someone. Very happy that we chose Pets Best over the other insurance companies out there.

I feel like PetsBest has changed radically since the pandemic. Claims are taking FOREVER to get reimbursed, or denied. My dogs juvenile cataracts were completely denied, with the explanation being that there weren’t enough records of her eye health? Who takes a 2 year old dog to an ophthalmologist just for the heck of it? There’s never a health issue until there is, and that’s when you take them to the vet, as I did. It’s a disingenuous way to avoid paying a valid claim and the surgery they probably feared was coming. For me it meant thousands out of pocket when I was already paying $200/month for 2 dogs (wellness included). Furthermore, the last rate increase was horrendous-a near 50% increase for same coverage. Up to $276/month. That’s absurd if they’re just going to deny claims anyway. The last one to be denied was an ordinary bill for vaccines from a vaccine clinic. PB didn’t like the format of the invoice apparently. I mean COME ON. Lastly, when I called about the rate increase the customer service was flat-out rude. Check recent BBB activity on this company. NOT what it used to be. They’ll pay for random illnesses, accidents etc., but beware if your pet has anything that might become chronic or expensive. They’ll deny the condition up front to get out of paying for it long-term. You know-the stuff people buy insurance for. Been paying them thousands each year for years and years without any significant claims? THEY DO NOT CARE. And once you’re signed up, you’re stuck. I’m now paying $90/month for a 6 year old mixed breed who’s never had anything wrong but one tooth problem. But any other pet insurance company will now categorize any dental as preexisting, so I’m loathe to switch. I’ve come to feel PB adjustors and leadership are crooks, liars and thieves. If you have a young pet, start them elsewhere. PB is riding on its old reputation while adopting shady insurance biz practices and jacking rates to unmanageable levels each year. For what they charge I can get the same coverage plus alternative therapies at two other companies who’s staff aren’t rude.

First year I insured 3 cats, one year old. The second year I added a male cat, age two. I called Customer Service to ascertain my monthly premium, was given one quote, then they billed for another amount. Then they dropped one cat from their billing to me and I called them THREE times to find out why? NO RESOLUTION! THEN I GET A CANCELLATION NOTICE IN THE MAIL OWING THEM $99.86 OR ELSE. When I added the 4th cat in June of 2021, I paid $149.09 every month. I asked for a detailed itemization, they agreed BUT I WAS SENT A CANCELLATION NOTICE!! They were very nice BUT....no resolutions....BILLING IS A NIGHTMARE.

This last claim was extremely quick on turnaround. Thank you! The holidays are tough, much tougher when your 4 legged friend (unexpectedly) gets sick. I appreciate Pets Best always coming through for Ben and I.

After I submitted a claim, it took several months to receive the claim status / explanation of benefits. To top it off, after waiting all that time for the claim to be processed, almost nothing was covered.