Pets Best | Pet Insurance Review

One of the few that insures senior dogs. So grateful for this company to not to have to choose between life or death for my fur baby due to medical costs. Claims are easy and payments are received in a timely manner straight into our bank account. It's a must for EVERY dog owner and Pets Best IS the BEST!

Super easy process from signing up for insurance to submitting a claim. We have used several insurances previously and have found Pets Best to be the easiest to work with! Making claims, changes, etc is a breeze and the interface that they use is great. Zero complaints from us!

I couldn’t ask for a better service, thank you pets best!

I am disappointed at how long it took to approve payment of a well visit/ vaccination boosters. I submitted the claim on 6/22. While I appreciate there was regular communication & apologies for the delay in processing, it has taken 30+ days to receive notification of approval of claim. As of today, 8/5 I have not yet received the payment for the claim.

We only adopt rescues. And although we humans got rid of pre-existing conditions in our healthcare, they still plague pet healthcare. When we got Minerva, we had to bring her to the vet during the 14-day waiting period because she had immanent medical issues. What do these insurers expect us to do, not give them life-saving care? At the time I expected Pets Best to not pay for that visit, since it was in the waiting period. What I did not anticipate is that they would nearly every claim we made after the 14-day waiting period by trying to find even the most specious connections back to that initial visit. Surgeries, medications, office visits, we've ended up with thousands of dollars of medical bills for procedures that we understood to be totally unrelated but that became "pre-existing conditions" as a result of that first visit. Here's an example of Pets Best malicious abuse of this policy: We had Minerva checked for a UTI because she wasn't always peeing in the litter box. The UTI came back clear, so we tried placing a litter box in the area she was peeing. Turned out that cleared the issue - she just had specific places in her new house she wanted to pee. Pets Best didn't pay for the UTI because it was during the waiting period. Fine. But then, four months later, we brought her in for a newly developed anxiety issue. We had gotten a third cat, and Minerva developed a significant anxiety disorder in response. Our vet put her on Prozac. And when we filed the claim with Pets Best, they denied it. Why? Because it was treating a "behavioral condition," and Minerva has a pre-existing history of "behavioral conditions" because she at one time peed outside of the litter box. No relation whatsoever to the events, no shared symptoms, and no common treatment pattern. When I spoke to a Pets Best representative, they said they are entitled to deny ALL behavioral treatments going forward because we brought her in for that UTI test and it WASN'T a UTI. For the record, we've been with Pets Best since 2015. Used to have nothing but high regard for them. But after 9 years, it's clear that they no longer care about us as customers or the welfare of animals, only manipulating their "pre-existing condition" policy to protect their bottom line. I strongly recommend everyone to avoid using this insurer. Find someone else.