Pets Best | Pet Insurance Review

They are efficient. I do regret that they don't reimburse more for the actual cost of routine pet care. Cost of routine care is high, but is presumably cheaper than paying out for big problems that could be prevented. A 200$ lab panel reimbursed at 50$ is not all that helpful.

Usually, the claims process goes smoothly and payment is applied to deductible or into my bank account.

I have had my dog insured through Pets Best for approximately 7 years. In the first few years my claims were reviewed promptly and reimbursed partially. While I wasn’t thrilled with only partial reimbursement, it made sense with deductibles and let’s be honest, our dogs run into problems on their own timelines that never match our convenient ones. Now that I have a senior dog, my claims have taken almost two months to be reviewed and subsequently denied. Pets Best has had to “request medical records” from my vets office and stated they were never sent. Asked me to inquire, which I did just for Pets Best to say they never received them. This led to my claims being denied. My senior dog cracked a tooth on a bone (this is what the vet told me) which led to a tooth infection. I treated the infection first, then took her to a different vet (this office didn’t do extractions) to have it looked at. This vet said it had to go, or risk another infection. I asked that they clean her teeth while they had her under for the extraction. I had been doing non anesthetic cleanings because I didn’t want my senior dog put under. I submit my claim and almost two months later have my first expensive claim completely denied stating that it was periodontal disease which is not covered because I did not have her teeth cleaned under anesthesia in the last 13 months. If they would have attempted to contact me or my vet at any point during this review, it could’ve easily been explained. This company is looking for a reason to deny your claims. To add insult to injury, immediately after denying my claim, I got a letter stating they are increasing my monthly premium to $200 due to my pets age and just general use of modern medicine to treat dogs being on the rise. Don’t give this company free money. Put it in a savings account. I was told I could dispute the claim denial. I’m SURE I will be able to have an unbiased review of that claim after my policy cancellation….hah.

My dog was dying (Bruno lived) and needed lots of procedures at the vet. Pets Best made a very difficult time in our family's life way less complicated. We will be lifelong members, thank you

Great customer service