Pets Best | Pet Insurance Review

I can only imagine the pain I'd be going through now if it weren't for Pets Best. I researched all available companies and found their customer service to be the best. Thank God I did. My 3 year old Pittbull was diagnosed with cancer at the beginning of 2010, I purchased his insurance policy when I adopted him as a youngster. This has saved me the frustration of deciding whether to treat or not. It has saved me money, and it has saved my well being. Insurance is absolutley the right thing to purchase for your beloved pet. I have both of my guys insured and love the peace of mind it gives me. Thank you Pets Best. You are the Best.

My loving cat Mikey had to be euthanized in 2007 at the age of 8, and it broke my heart that we couldn't do more for him. Our vet bills totaled over $5000 and I am still paying it off 3 years later. I vowed that if we ever decided to adopt more adorable furballs, that we'd look at pet insurance. So when we adopted 2 brothers at 16 weeks old (named Merry and Pippin, you Lord of the Rings fans will know where those names came from!) I researched many insurance programs. I knew I wanted one that paid based on the actual vet charges and not on some outdated and low-cost schedule. The company would also have to be technologically advanced, because to me that means they are putting time and profits into bettering their services. I was also impressed that Pets Best was underwritten by Aetna. So we purchased Policies for our 2 orange tabby brothers. It has been a godsend. Pippin at age 3 had a suspicious lump on his belly that had to be removed and sent for pathology. This happened about 6 weeks ago. We recouped enough from that one procedure to pay 3 months of the insurance cost! The lump was a mast cell tumor and was almost certainly benign based on the lab results. But 3 weeks later another lump showed up and we had that one removed. I was so glad to learn that we did not have to pay our deductible again! Now just last week we have found more bumps on his back. I am taking him to the vet Wednesday and praying it's not the same thing, and that it's not malignant. I am very scared

This is the 2nd pet insurer we have used - the first one had some restrictive procedure reimbursement limits and they wound up reducing the benefit on every claim I submitted. After we found out they would consider a disease that popped up during the policy year as a "preexisting condition" for the next policy year, I dropped them. I've been with Pet's Best about 20 months - they are reasonable and have honored every claim I've submitted. I got insurance because I didn't want to have to make a decision surrenering our pets health or lives because we couldn't afford the tests / treatments necessary. Vet bills have become unbelievably expensive (diagnostic procedures and care is better though too). Without insurance, we just wouldn't be able to afford it. Every time I call I get attentive and polite people - very easy to submit claims (all on line now if you want) - I even got reimbursed before my credit card payment came due! Pet insurance isn't "cheap" but it's been worth it for us with our 3 dog family.

I have been with Pets Best for over 2 years now and have been pretty happy with them until recently. Why? Well, I just received my renewal policy from Pets Best and was shocked to see a HUGE increase in premium for the coming year. I have two cats under Pets Best, and only made one claim ($500 for an ultrasound to check a heart murmur) in the past year. Now I am seeing an premium increase of 37% in the renewal policy (annual premium in the mid-$500 raised to over $800), in addition to an increase of my deductible from $75 to $100 (Pets Best no longer offers the $75 option). I am planning on moving my younger cat to PetPlan after this current policy expires. My older cat who got the ultrasound will stay with Pets Best because no one else will insure this pre-existing condition. Pets Best recently change their underwriter to Aetna. It is sad to see that profits are more important than their customers since this change. I suggest other pet lovers go look at a different insurance company.

Both my pets have had unforseen health issues and if it wasn't for Pets Best I'm not sure what I would have done! My dog had a ruptured cruciate ligament (blew her knee out) about two years ago and needed surgery which wound up costing nearly $4,000. After paying my $75 deductible, they covered 80% of the bill! Not 80% of their "approved" charges, but 80% entirely! Then, if you can believe this, just last fall she ruptured her other knee, same exact surgery required, same results from Pets Best...awesome! Now about my cat. She has had three different occasions of requiring dental surgery for painful lesions and she's almost without any teeth now, but at least she's not in pain and neither is my wallet. Each extraction was costly and Pets Best delivered on their promise to pay 80% of the full charges, minus my deductible. I call my guys my million dollar babies, little lemons, ha-ha! But they are my most precious companions and I am so happy to know they have insurance to care for their medical emergencies...best investment I ever made!