Pets Best | Pet Insurance Review

I have had several pet insurance companies for my pets. You have to read the fine print especially when it comes to continued care for a disorder that occurred in a previous year. Many companies wont cover. I have had a couple of claims with PetsBest and had a problem with one but my vet cleared it up and PetsBest came thru. My subsequent claims have been paid and very timely. Ive had PetsHealth and VPI and would not recommend these insurance companies. Thus far I dont have any issues with them and their payments have come within 10 days or less. However, I have not had any serious complications to cover so cant attest to how they will measure up if this arose.

I have had Pets Best insurance for over a year now and I have to say i am impressed with their turn around time. I also found their representatives to be imformative. I recently submitted a claim for $6000 for a herniated disc and I was worried the claim process would take a long time. I paid for the bill with my credit card and I was afraid it would be a while before it would be approved because of the charges involved. As most know, credit cards need to be paid within 30 days. Well, I'm very pleased to say that I received my reimbursement in less than two weeks. I have submitted other claims and the process has always been smooth.

I loved Pet's Best. I signed up for it within a day of it becoming available in my state! I recommended it to family, friends, strangers - anyone with a dog that would listen! They paid every claim submitted in a timely manner - and with absolutely no problems. And now they've changed underwriters - and no longer are keeping one of their promises. They HAD a wonderful program where you could pay an extra $12 a year and have your dogs premiums stay the same until their 8th birthday. When I saw this I thought "WOW - you'd be crazy NOT to do that". I used that as a selling point to have a good friend get the policy even though money was tight at their house. I read the agreement carefully and looked for any loop holes - but when I read the part of the contract that said 'Discontinuation of Fixed Premium Program: the company may, at any time in its discretion, discontinue offering the Fixed Premium option to new insured. The company, however, will continue to honor and provide the Fixed Premium optional coverage for any existing insured who has purchased the option prior to termination of the program, subject to the terms and conditions of this policy.' I figured - GREAT! I'm in the program - I'll just have the yearly fees automatically be deducted - and even if they discontinue the program I'll still be fine - it says right there that they will continue to honor the fixed premium. Well - my policy auto renewed 2 weeks ago - and when it did I was told that the underwriter changed to Aetna and they were discontinuing the fixed premium program. I thought to myself 'that's fine - my original policy states they'll honor the program even if discontinued'. Well - apparently not. Apparently their policies and honor mean nothing. Since Aetna doesn't want to continue with the program - they will discontinue it for everyone - no matter what the original policy states. And it's not even a tiny raise in price - for me it's an increase of $150 a year for the premium and an additional $25 per visit for the deductible. Now, unfortunately I can't sing their praises everywhere I go - since I have no way of knowing what they will decide to change next - and can't trust that they will hold true to our original agreement.

PetsBest is the best insurance company out there in my opinion. My dog got a herniated disk a month ago and we had to take him to MedVet and see the specialist.We had to do bloodwork, MRI, x-rays, surgery, hospitalization, medication and more. After all said and done, it cost around $4000. PetsBest approved my claim 5 days after it was submitted with no questions asked. I had other small claims in the past that were taken care of as well, but this one was by far the biggest expense, that I was not prepared for. Thank you PetsBest for being there. My dog is walking again:)

My sister is a veterinarian, and she recommends Pets Best to all her clients. She even insisted that I get it for my dog because she knows all too well how much vet care can cost. She was right about the expense, and right about Pets Best. I've gotten almost as much back in claims as I have paid in monthly dues (even though my dog is active and healthy), and filing a claim with Pets Best couldn't be easier.