Pets Best | Pet Insurance Review

Six months ago my dog became suddenly very ill. The initial diagnosis was that it was likely terminal cancer, but no cancer was found on any biopsy. After several tests, scans, consults, etc., it seems she has an autoimmune condition and is responding so well to her current treatment. She's almost 100% back to her old self. Her treatment plan is to slowly reduce her meds to see if she how she responds and if her immune response has calmed down. We went from consulting a hospice vet and buying books to explain the death of a pet to our 4 year old son, to her back to chasing squirrels and playing like her old silly self. If she wasn't insured, we wouldn't have been able to afford this process - we were very close to having her put down when the initial cancer diagnosis was made. I called Pets Best for help with my first claim and started crying about her condition, and the woman I spoke to was the kindest, most comforting representative of any company I think I've ever encountered. The claims processes have always been clear, quick, and, straightforward, and Pets Best has approved every reimbursement except for things that are clearly not covered in her policy (overnight postage for labs, and OTC diarrhea medicine). I am so thankful every day that we chose Pets Best to insure our dogs, and I am eternally grateful for how its helped make keeping our dog alive affordable and less stressful.

Everyone is been helpful, informative, and easy to talk to. Thank you

Unfortunately, I have not always had the best experience with Pets Best. First I have two dogs and their premiums go up extremely high every year. Mind you I’ve had them since they were puppies and they’re now seven and nine. Submitting claims has been an issue now for over two months for the system is always down. Yesterday I even went as far as trying to email three times and I was told that the emails for claims currently being reviewed are backed up through October 31. Today is November 7. In addition reimbursement takes forever. They say it takes two weeks. I’ve actually waited on an average 6 to 8 weeks to be reimbursed and it gets very costly when you have two dogs that are going in and out of the vet for a vaccines for illnesses for wellness visits, etc. if my oldest dog didn’t have a pre-existing condition, I would definitely not go with Pets Best again.

My Chunk is 5 years old now and I have had him insured with PetsBest since he was 8 weeks old. I honestly think getting this insurance was one of the best financial decisions of my life. We have been through 7 surgeries (he's an English Bulldog) and endless food-related allergies flare-ups (I mean, ear infections, skin infections, etc.). We have also been to a ton of different vets in different states (doggie dermatologists, doggie eye doctors, doggie surgeons) and NOT ONCE was my claim denied, and NOT ONCE did I have A SINGLE issue. I think I maybe had to call customer service like once since getting this insurance. You just go to the vet, worry about the best vet care possible, get your receipt, submit it, and within 20-30 days you have your reimbursement. If there's a delay in reimbursing you - they always send a follow up email telling you basically, "hey, so sorry we are taking longer than usual, but we haven't forgotten about you!" I highly recommend PetsBest. I think I have recommended at least 5 people to them.

This is the worst pet insurance I've ever bought. Don't waste your time and money on Pets Best, especially with so many other options out there. The premium was outrageous--over $200 a month for illness and wellness policy. And even with those policies, the insurance refused to pay nearly all the claims even those that were for services listed in their policy. They use "pre-existing condition" to justify claim payments just like people insurance companies used to do before the federal government outlawed discrimination based on pre-ex. Pet insurance is completely unregulated and this provider takes full advantage of that fact to scam consumers into paying for coverage they will never be able to use. It's disgraceful.