Pets Best | Pet Insurance Review

I advised Pet's Best it was unwise to send me one of these emails, but here we are. I have a 15 year old super senior calico. I had previously been with Embrace Pet insurance for years, but their prices had become insane so I switched to Pet's Best. She was listed by Embrace as a "healthy pet" with no preexisting conditions, and I also checked with my vet before making the switch, so I did not anticipate any trouble. On December 31st my girl started acting odd, and by the morning of January 1st she did not get any better, so I wanted to take her to the vet. But since it was January 1st, everything was closed, I had no choice but to run her to the emergency vet. A few hours and $1,900 later, I found out she had a UTI. When I took her in, the vet noted she was skinny. I was like, "Yea. She doesn't eat as much since she's gotten older." So the vet prescribed appetite stimulant and, as part of the treatment for the UTI, a medication for vomiting as I told them one of the reasons I took her in was because she had vomited that morning. When I got my receipts for everything, took them home and scanned them and submitted them to Pet's Best for reimbursement, they tried to deny the claim for the entire $1,900 for the UTI because the medication the emergency vet prescribed for her appetite, Mirtazapine, as well as the medication for vomiting, were ones that her primary vet prescribed at same point in the past when her appetite first started toning down. We are talking years into the past. It had nothing to do with her having a UTI now in 2025. I confirmed that with both her regular vet and the emergency vet, both of whom were totally confused by this decision. I had to do two appeals to get this case in front of an actual veterinarian who ruled in favor of my reimbursement. I don't know who is looking at the first level claims and first level appeals, but I seriously question how informed these people are in pet health, or if they just try very hard to try to find reasons to not cover claims. But think very hard before giving your hard-earned money to this company because they have been nothing but a headache for me.

This is my first time with pet health insurance. I've had a great experience with PETS BEST. It's easy to upload information, they respond quickly, and in less than a week I received reimbursement for the costs associated with my pet's last visit to the vet. They're great!

We have submitted a few claims for our Rottweiler puppy over the past few months. Every time the claim was reviewed, processed and refund deposited within a week. The one time the claim center needed more information they emailed me and I sent the additional information and the claim was processed! Excellent customer service and claim processing dept!

"When your pet is sick it is so reassuring to have a company that understands how strenuous this can be emotionally and financially and to have them reimburse you in a timely manner means a lot and relieves some of the stress. thank you "

My cat, Olive, stopped eating and was vomiting and having trouble going to the bathroom. I took her to her vet and they had to run tests to rule out other maladies. The ultra-sound was going to be the best way to get a good look into her stomach. I am grateful that I could count on Pet's Best to cover this visit and process it in a timely manner.