Pets Best | Pet Insurance Review

I recently called customer service to get clarification on why my pet insurance premiums doubled within a single calendar year. After waiting on hold for 20 minutes, the representative I spoke with was incredibly dismissive and rude. When I asked for the reasoning behind the massive increase—beyond my dog simply getting one year older—she refused to explain and claimed the reasons were 'clearly outlined' in my renewal email. When I pointed out that the email only listed the new premium cost without explaining the why, she actually insulted my reading comprehension skills—twice. Sending an email that just states a higher price without any context or explanation is a manipulative business practice.

Pet Best quickly responds to my submission of a claim and after review sends a check within a weeks time or explains those that are not covered. Excellent service.

I am extremely disappointed with my experience with Pets Best. The claims process has been beyond frustrating. Despite multiple vets sending records several times, they continue to claim they “still need documentation.” It feels like a delay tactic rather than an actual review process. Customer service has been unhelpful and repetitive, with no clear answers and no real resolution. Every time I call, I get a different response, and nothing actually moves forward. When you’re dealing with a sick pet and thousands of dollars in vet bills, the last thing you need is constant runaround and poor communication. I purchased insurance for peace of mind, but instead I’ve dealt with stress, delays, and lack of transparency. Based on my experience, I would not recommend this company.

I paid six months at $232 for 5 pets because it sounded smart. I have a dog, that has a pre existing condition of a torn ACL. Policy state that they cannot cover pre-existing conditions until you have paid for 6 months. I was like, great.Let's do this. Also, I'd like to mention that this company was sponsored by my husband's union. So It felt legit. We don't make the type of money to really afford that, but we did it. Because we love our animals. So the day after I make my six month payment, I test it out on my oldest cat just because she hasn't seen the vet in some time. Needed some shots. Also a WELLNESS checkup. She is going through this phase though where she will poop or P outside the litter box. Not all the time, just sometimes. She literally taught the other cats how to pee in the litter box. So while we're at the vet, I ask about it. The conclusion he came to, she's probably dehydrated, and it's hard for her to get into the litter box. She's a bit bigger than she used to be.And she's old! Not a big deal that's not why I brought her. But the vet decided to give me liquid prozac to give to my cat to see if that would help with her going potty outside of the litter box. That did not make any sense to me. I'll be honest, so I just threw it away. But I did pay for it, and in fact, this whole experience cost three hundred and fifty dollars, but I thought it's going to be okay because I have pet insurance! Also I got to make sure my sweet baby is healthy. So I turned my claim in. And I wait and wait and wait. Then, I get a message 2 months later saying that the vet Did not write my cat's name on the claim? And I need to resubmit, I also noticed that my wellness claim was turned into behavioral. I didn't do that, somebody changed it! So I resubmitted the receipt for proof and also ask why does it say behavioal issues is my claim?No reply. 2 more months go by and I'm being asked to upload her medical records. Unfortunately, the vet I go to is an animal hospital also, they do not carry files any longer than a year. My cat has not seen a vet in many years. I finally get an email saying my claim has been decided that it is not refundable up to 90%, as stated. In fact, my claim has been denied. Heartbroken, because I really needed that money back. And I was counting on, six months ago. I will tell you that was the biggest waste of money I have ever invested in. I called that day and cancelled coverage. I explained why, there was no trying to help me solve the problem. There was no possible solution to help maybe reimburse the money I put in for no reason. I just made a really bad choice. It sucks

Been waiting for this resolution for a year. Unable to get payment reciept confirmation, or funds sent to a different bank account. They just tell me "the payment was never sent back by bank" WELL WHERE IS THE $200 I WAS SUPPOSED TO RECIEVE. it's surely never hit my bank account. Further, the pet's best website gave vet office's that would supposedly acccept direct payment but I was quite shocked to find out that the vet had absolutely no idea what I was talking about, and all services would be paid for upfront, with reimbursement later. THE entire reason I selected pet's best was because I was under the impression they had direct payment to the vet. All a lie, all a scam. Bank has absolutely no record of payment ever being sent. The customer service people are nice, but offer no real help. Have asked for emails for confirmation or receipt of payment being sent, was told it would be emailed. Never received.