Pets Best | Pet Insurance Review

This is the most dysfunctional insurance company I've ever worked with. My claims keep being denied because the claims department never thinks to ask the records department for, you know, RECORDS before denying my claims. Uploading records to my portal on the app does nothing; so I now have to email records directly to the claims department and then call and tell them that the email exists. Then the records department has to connect that email with my claim number, despite my claim number being in the header of the email. The departments flat out don't communicate with each other. Calling it a circus wouldn't be fair. Circuses are better coordinated. Even if the claims department knew what it was doing, it wouldn't change the fact that reimbursement takes forever. It's been six weeks and I haven't seen a dime. My cat can't receive life-saving treatment because all of my claims get denied. The claims department is working overtime to prove my cat has a preexisting condition, despite two annual wellness exams and blood work proving she was always a healthy cat. My veterinarian is even willing to testify that my cat was never sick before her issues started. Doesn't matter. Did I mention one of my claims is just an error message now? I guess that's not getting reimbursed any time soon. I have no faith that this company will ever pay me. And now that my cat is sick, I can't switch insurance companies. They know that. So they aren't attempting to help me at all. I pay extra for 90% reimbursement with no annual limit. I guess someone knocked the 9 off of that 90 and never bothered to put it back. Pets Best is that cousin who's always borrowing money and promises to pay you back next week, next month, next year, once he gets a job, once he pays off his car, once he wins the lottery, once he becomes a billionaire. It's not happening. Ditch the cousin and find a better insurance company.

The app is constantly broken, which is a bit annoying. Fortunately, I have never had an issue submitting claims on the website.

I have a newly adopted dog that came from a rescue. The dog came with no known medical history. After repeatedly having digestion issues I took him to a pet emergency. Almost all of the services that were provided by the clinic were described as covered in my policy. I had to wait a whole month before the claim was processed and I was finally notified that I get $0 back. The only provided explanation was "preexisting condition."

Got good advice, thorough exam and proper meds and supplements to resolve the problem.

One of my cats fractured his hip and I sent Pets Best both of the invoices from his vet. Pets Best verified this information with my vet and paid my claim, all in a short amount of time. I am so glad I took out a policy on my cats, I never thought anything like this would happen to a house cat!"