Pets Best | Pet Insurance Review

Easy claim submission process. Became too expensive for us to maintain with three dogs especially when you add up the rate per dog plus each deductible.

I submitted a claim on my female dog who had a one-off urinary tract infection. She had one 5 years ago (literally 5 years ago). Nothing since. She received anti-biotics and healthy as ever. She randomly got another infection 5 years later. These jerks DENIED my claim for treatment reimbursement claiming this was a pre-existing condition because she had an infection FIVE YEARS AGO! INSANITY! Its like me getting the flu this year, but my medical insurance denies my doctor visit reimbursement because I had the flu 5 years ago. This is scum bag stuff. On top of this, the customer service robots are unhelpful and read from scripts. Its like talking to an uneducated 10 year old. There is also NO WAY to reach ANY of the folks who "review your claims." So trying to talk or get an understanding from anyone, is completely impossible. RUN - STAY AWAY! If your dog stubs their toe 5 years ago, then stubs it again this year, they will claim that the stubbed toe is a pre-existing condition and not help pay for treatment! HORRIBLE HORRIBLE HORRIBLE!!

Communication is great. Time line for paying claims is great. Never any surprises. Opening new claims is super easy and uploading supporting documents is easy. Highly recommended!

I submitted my first claim on 2/19 and Pets Best reimbursed on 2/21. Just waiting for it to clear through my bank. This was a wellness visit for my new puppy and I do have the wellness add-on.

The good: Filing claims is easy Reimbursement CAN be fast (some claims are filed and reimbursed within one credit card billing cycle) Customer service does not seem to be outsourced, are efficient, follow up with your questions, and are not pushy. It's great to reduce costs when you have a young dog and an emergency situation arises. The bad: Fine print - your co-pay comes out BEFORE your deductible so you can end up paying more than anticipated. Doesn't cover routine dental (other than the case scenario below) Exam visits are only covered if you choose the higher cost plan/they are a-la-carte coverage Doesn't cover annual visits - you need a secondary wellness plan and it's not super cost effective unless you're getting spay/neuter (the spay neuter cost can apply to a dental cleaning but any dental cleaning I've had had been SIGNIFICANTLY higher than the $150 limit) Wellness plan didn't cover the entire cost of yearly vaccines, and covers some things that aren't standard care/necessary so overall cost savings is marginal bc to use all your benefits you have to do "extra" screenings. The cost for my older dog skyrocketed between age 7/8 (raised 40%) Overall: It's a decent plan if you have a young dog and have an emergency situation or a lifestyle that is higher risk for sickness or accidents, and you're not good at saving money. (My 1.5y/o dog broke his leg and I was happy I had the insurance bc we just gave carte blanche to do what needed to be done to fix him. However any cost savings will be negated after holding insurance for two dogs for 2 years) OR if you have an older dog where you're concerned about age-related illnesses and don't want to worry about cost of care for potential issues like kidney failure, cancer, etc. I would NOT recommend the wellness plan unless you're already interested in doing the full range of screenings/care covered and want a marginal cost reduction.