Pets Best | Pet Insurance Review

I just wanted to make a comment to thank everyone at Pets Best for the wonderful customer service I have received since I began my policy for my 2 pups back in January. I am living on a limited income being an employee at one of the few still standing mortgage companies and having no pay increase in 2 years. My dogs are my pride and joy and recently have experienced a few different types of unexpected illnesses. Knowing that I have the security that Pets Best will help with covering those medical bills has been such a huge relief. I had a few people suggest that I give up my dogs to save money but I am sure as you know working at a company that supports an animals well being these “dogs” are my children not just disposable pets. Anyhow I really just wanted to say thank you from the bottom of my heart because I have dealt with other companies that do not come close to your turn times and expertise not to mention you guys actually CARE! Thank you again!!!

Pets Best is expensive relative to its peers and the customer service is atrocious. Unlike Embrace or Purina Care, they exclude anything they consider to be hereditary or congenital (list is more exhaustive then you might think), regardless of the age of your pet, or whether they have ever shown any symptoms. This includes hip and elbow displaysia, for some breeds eye problems like glaucoma/ cataracts, Addison's disease etc. In addition, they exclude patella or other knee injuries for the first year (Purina and Embrace do not). These are not only the most likely health problems for a young pet. They are also the expensive ones you most need insurance for! Plus if you think about it, for most minor illnesses, after the $75 PER INCIDENT deductable and the 20% co-pay, you end up paying the vast majority of the cost of most vet visits yourself anyway. On top of that, they will nitpick every last thing related to a claim. This includes claims related to their "routine care option" which they seem to treat as a benefit as opposed to an entitlement (despite their false marketing). If their "claims department" finds any issue no matter how remote, be prepared for them to deny the claim and then push it back to you and your vet to do all the work necessary to appeal. This process is designed to be difficult and is a major time sink for you and for your vet, who understandably find it irritating. All in all, if you buy Pets Best, be prepared to pay upfront and then have to fight for your money, waste your time and be disappointed later.

I have only had Pets Best for a few months, but have been extremely impressed with their service. Within only weeks of getting the insurance, one of our dogs came down with a skin infection. Pets Best sent us a check very quickly and with no problem. We had two other somewhat expensive procedures after this (unrelated), which were also handled quickly and efficiently. The staff was friendly and helpful whenever I would call to ask a question. One of our dogs ended up dying from an aneurism, and Pets Best paid for his cremation. They also sent us a nice sympathy card, which was unexpected and very sweet.So far, we are very impressed and will definately continue to put future dogs on this insurance.

After having lost two dogs in the past year who were uninsured, we were determined to insure our new puppies. One big problem I have with Pets Best is that their deductibles are per incident not, as with AKC, per year. Most of the claims we have filed have been denied due to not meeting the deductible on those issues. Also, Pets Best doesn't cover preventative medicine like heartwork. AKC does cover preventative medicine. I am very tempted to switch to AKC. On a positive, Pets Best has had a very good response time.

I have had Pets Best for a few years now. My dogs are 7 and 13. While I have been with them for the past three years, they have raised my deductible once and have raised my premium cost three times. This past increase was a 31% increase. That is ridiculous and outrageous. I have had to drop my coverage with them in order to maintain the insurance. Unfortunately, I cannot go to another provider because of the age of my older dog and preexisting conditions would apply. I am very disappointed in Pet's Best. They should be ashamed to impose a 31% increase on anyone.