Pets Best | Pet Insurance Review

Setting up the policy was very easy. We filed our first claim and received our check in the mail very fast!

I got this policy, because of other great reviews and compared to other insurances, it seemed like they had the least wait period and had no lifetime limits. I paid $599 & some change for a 6-MONTH policy. My dog needed extraction for an abscess, which cost $999. With pet insurances, you pay UP FRONT COSTS directly to the vet and then I guess IF your claim gets APPROVED, after paying your deductible on top of what you’ve already paid for the policy, you will get some reimbursement (which most likely will not cover all the extra bs miscellaneous costs that vets charge.) HOWEVER, the disclaimer comes with a long list and the statement IF IT GETS APPROVED. If I had money to pay up front, there is NO REASON for me to NEED this insurance!! I also know it’s the pandemic, so they took about a month to tell me my claim was DENIED. Their reason is that my dog needed cleaning for at least 13 MONTHS, but even the website says they don’t cover pre-existing conditions & periodontal disease. I’m not sure about anywhere else but in the state of FL, the biggest issue in pets is periodontal disease. Long story short, they PROVED to me that insurances are SCAMS. A guy recently posted that because his dog had a preexisting condition & fell, it wasn’t covered either. I’m really NOT sure why I pay insurances for. If I just saved the money I paid into it, I would never need them. I think all insurances just want our money but they really don’t want us to use them. That’s how they profit. It’s sad that pets are being profitted too and it’s even more sad that animals get abused, abandoned, & euthanized simply because they can’t afford expensive vet bills and insurances they can’t use. I recommend saving your money for emergency funds, visit non-profit vet hospitals instead of wasting it on unnecessary insurance that you can’t use when you need it. Believe me, I don’t want to use it and I hope to never need it, but to deny conditions that you know is prevalent in these animals is really “clever.” Bottom line: DON’T WASTE YOUR MONEY & TIME, because insurances are a SCAM. They don’t really want you to use it.

I got this policy, because of other great reviews and compared to other insurances, it seemed like they had the least wait period and had no lifetime limits. I paid $599 & some change for a 6-MONTH policy. My dog needed extraction for an abscess, which cost $692. With pet insurances, you pay UP FRONT COSTS directly to the vet and then I guess IF your claim gets APPROVED, after paying your deductible on top of what you’ve already paid for the policy, you will get some reimbursement (which most likely will not cover all the extra bs miscellaneous costs that vets charge.) HOWEVER, the disclaimer comes with a long list and the statement IF IT GETS APPROVED. If I had money to pay up front, there is NO REASON for me to NEED this insurance!! I also know it’s the pandemic, so they took about a month to tell me my claim was DENIED. Their reason is that my dog needed cleaning for at least 13 MONTHS, but even the website says they don’t cover pre-existing conditions & periodontal disease. I’m not sure about anywhere else but in the state of FL, the biggest issue in pets is periodontal disease. Long story short, they PROVED to me that insurances are SCAMS. A guy recently posted that because his dog had a preexisting condition & fell, it wasn’t covered either. I’m really NOT sure why I pay insurances for. If I just saved the money I paid into it, I would never need them. I think all insurances just want our money but they really don’t want us to use them. That’s how they profit. It’s sad that pets are being profitted too and it’s even more sad that animals get abused, abandoned, & euthanized simply because they can’t afford expensive vet bills and insurances they can’t use. I recommend saving your money for emergency funds, visit non-profit vet hospitals instead of wasting it on unnecessary insurance that you can’t use when you need it. Believe me, I don’t want to use it and I hope to never need it, but to deny conditions that you know is prevalent in these animals is really “clever.” Bottom line: DON’T WASTE YOUR MONEY & TIME, because insurances are a SCAM. They don’t really want you to use it. Sadly, they do not care about your pets; they just want your money like the rest of insurance companies.

We insured both our pets during this past year. We had a claim for one, it was easy to submit, the explanation of benefits was easy to understand, and we were reimbursed directly to our checking account. Pet's best is great to work with.

I purchased this insurance because I have limited income and wanted to be able to afford a pet and not worry about accidents and illness, when I got this policy I thought it would assure me I could take great care of my dog without worry if he needed vet care. I have submitted two claims in the almost year I have had this policy. First one was for his well pet checkup and the second one was for a skin allergy. The first claim took a month to get paid the second claim took 40 days....40 days! I called and left e-mails because I had assume maybe information was missing, no one responded to my e-mails and I spent a collective 3 hours on hold and had to give up. I would swtich insurance companies but if my dog has more issues with skin allergies I may not get coverage. I am so disappointed in Pet's Best and it has not provided me with the peace of mind I needed. In fact, It has caused me more stress and worry.