Pets Best | Pet Insurance Review

I was reimbursed for services within one week

I've been paying for insurance and wellness benefits but have only used the wellness portion. It's terrible! They deny most of my claims as being 'covered already under some contract clause'. 1 hour per phone call just to hear some contract clause says they can't pay. Save your money and go somewhere else. They are correct in their response. Wellness is not insurance and did not cover what I paid... it’s a complete loser for me!

READ YOUR POLICY. Insurance is a scam. They hook you with lower prices and empty promises. I put insurance on my dog when she was 3 months old. Fast forward to 3 months later, my 6 month old puppy tore her cruciate ligament. I was fully aware of the injury and illness waiting period and fully expected her injury to fall under injury coverage I had purchased. It was specifically spelled out on my Policy Application under "Your Pets Coverage Begins: Illness: 14 days [...], Accident: 3 days [...]." After waiting 42 days for them to process my claim, it came back rejected. Thats when I found out about the 6 month waiting period for cruciate tears. After calling customer service it was described to me as "an anomaly" that she even tore her cruciate at 6 months of age. Despite it being an anomaly, it can not/will not be covered because it happened before my waiting period. I argued although I havent held the policy for 6 months it should be covered based on the fact that I was a responsible pet owner and purchased insurance as soon as I could for her. Despite my efforts to work with PetsBest they rejected coverage because the injury occurred before my waiting period was up. Footing me with a $6,000 surgery scheduled for the 28th and my monthly insurance payments that have not caused me any financial relief. If they cared about pets and prided themselves on their coverage they would have a heart to work with me and make things right in this rather unusual and rare situation. I fully recommend not purchasing a policy from them. Do not let their low prices hook you like they did to me. I have done some more research and came to the conclusion "Pumpkin" is a better option. They are more expensive, but from what I have seen all of their waiting periods are shorter and they have less things excluded.

This is the best pet insurance I've ever had--and I've tried about 4. Generous reimbursement, no penalties for using the insurance, reasonable premiums. A+ as far as we're concerned!

So far, since joining Pets Best last month, we've had only positive experiences with the claim we've needed to submit. The benefits cover what we need. I would recommend Pets Best.