Pets Best | Pet Insurance Review

Pets Best has paid two claims for my dog. One was an emergency and they paid over $3000. The other was minor but again no problem with the coverage. In comparing plans, they seem to be the most comprehensive.

We have 4 pets insured through Pets Best (since March). We recently put in a claim for our cat. I was afraid that Pets Best would not pay a claim because there was no definitive diagnosis after I submitted the first claim. Lots of tests were done and our bill was over $600. The vet wasn't sure if she had a bladder infection or possibly a bladder tumor (ultrasound showed strange findings). We knew we would continue to have follow up appts with our vet. We submitted our claim and Pets Best covered it. They did say that in order for them to accept another claim, they needed a definitive diagnosis. I appreciate that they still paid the first claim. I can understand where they are coming from. Needless to say, we did get a diagnosis. It ended up being an infection and they did pay the second claim as well. The only thing I never understood is that the vet gave our cat an injection for the infection and Pets Best didn't cover it. It was only $20.00 and I'm not sure why it wasn't covered...everything else was.

I have had Pets Best Insurance for a while now. I have my two dogs insured through them. One of the dogs has had a number of health issues. The most recent issue resulted in almost 3K in vet bills. Pets Best has always been very good, but I wasn't sure what the outcome of this last claim would be. Well it was even better than expected. While they paid 80% of all the covered charges, I was also not charged a deductable, as they considered this illness a continueing illness from a previous claim. The good thing about them, is that once you pay the per illness deductible, all further claims on that same illiness or injury do not require you to pay another decuctible no matter how many times you have to have your animal treated. They are the best.

We've had Pets Best for over a year now and they are extremely difficult to work with. They're customer service is terrible (don't return phone calls, can't explain the process well, etc) and they claim everything is preexisting. We are currently looking for other another company to insure our cats.

There is nothing outstanding about Pets Best. I've had my 2 dogs insured since I've had them (2 years). Seems like I might have made the wrong decision when I chose Pets Best. I have given them several opportunities to "help" me want to stay a customer - but each conversation with them is friendly yet ineffective. I like the simplicity of their plan - it's pretty straightforward about percentage payout, you get to use your own vets; but - they seem to be "overloaded" with paperwork and behind the 8 ball. I originally faxed my claims to them on 8/21 and got a fax confirmation. There is no where on their site detailing the procedure for handling claims. The only thing I could see is to wait 10-15 days for processing. Apparantly, once you call they tell you that you'll receive an email confirmation once it has been received. I wished I could have read that on their web-site ... It would have saved me 2 weeks of waiting patiently. I emailed my claims in again, expecting the email - and that took over a week to get. Despite my calls to check that they've been received. So now it's 3 WEEKS later and I still can't get a real confirmation that my paperwork has been received. WEEK 4 - I finally get the emails that they have processed the claims - and most were correct, except one. So when I call again - I am told I have to file an appeal. They just left charges off - so should I refile those charges? or file an appeal and wait ANOTHER month to hear back about the appeal. What if they tell me then that I have to refile the claim because they left off some charges. Is that going to take another month to refund??? SHOULD IT TAKE THAT LONG TO GET RESOLVED?