Pets Best | Pet Insurance Review

Reliable, convenient and customer service is above excellence!

I decided to get pet insurance for my new puppy because veterinary costs are getting so high and I don’t like to deny care because I can’t afford it. My nephew referred me to Pets Best because he has been satisfied with the service he received. I compared 3 other companies and Pets Best seemed to fit my needs and budget.

BLUF: I will be cancelling this insurance. Why? Because I recently filed more than $8,000 in claims that resulted in a $380 reimbursement. First, the claims took 2 weeks to process -- time that they clearly spent trying to figure out how to reject each individual compoent of each claim. Out of $8308.70 in claims, they paid $380 -- and that's after the $76/month in premiums, totalying $912. One of the claims that they denied was the dog's spay procedure; the reason for rejection was, "The maximum Wellness amount for these services has been previously paid for this policy term." That's funny, as I do not recall having spayed my dog more than once EVER, never mind more than once this policy term. That explanation, "The maximum Wellness amount for these services has been previously paid for this policy term," is repeated over and over and over again in their explanations of benefits, resulting in 7 out of 9 vet visits receiving $0 reimbursements, and a single $4,193 claim -- which included the (one and only) spay procedure -- qualifyiung for $205 in reimbursements. In short, for more $900 in premiums, they paid for less than $400 in claims. I actually would have saved money if I didn't have pet insurance. And this was a year of high vet bills; in a year of lower vet bills, they would presumably pay even less, resulting in more out-of-pocket expense for me. And that is why I am cancelling this insurance (once I receive the $380 that they've agreed to pay).

This is a very disorganize insurance. They are not familiar with California and they tend to ask for same items many times. If they acn not deunrstand invoices with cero balance they will ask you to provide that which ius almost imporssible then they will email you and close your acse. They imnplemented AI and this does not udnerstand any payment pethods so they will reject your claim There are many veterinarian methods to help pets that are "not" allowed claiming to be holistic in a VERY broad sense, like shock wave that is critical in arthritis to heal and imporve. They hired many agents that are either in training or they do not know the process, and they will transfer your call so you need to ask for a person that5 knows more. If the calims is rejected for not enough docuymentation it will delay refund for another 2 weeks. If you sent by email the calimns then is another 2 weeks. They do not understand either carecredit payments. they do not accept cosco pharmaceuticals because yoour name needs to be in the transcript though you pay with your cc. If you have 2 pets then is worst because you pay for bothe so they can t add 2 plus 2. Almost every submission needs to eb call in, weight and explain the same problem over and over. May agents are very nice and able to follow which is about 40 percent of all agents that answer the phone.

My next renewal is a 70% increase!!! This company just continually raises your rates until your forced to cancel and it takes months to pay on any claims.