Pets Best | Pet Insurance Review

Over my 20+ years of buying pet insurance, I've tried multiple companies. Pet's Best has been the easiest company to file a claim with. We travel multiple times a year with our pets--and I don't have to worry about whether the closest vet is within the insurance network or whether their fees are in line with some arbitrary schedule. In an emergency you don't want to have to worry about anything except getting your pet the care they need. To file a claim, I just go online, take a photo of the paid claim and usually within just a few days it has been processed and I'm usually reimbursed within two weeks or sooner. One dog is 13 years old today and has been successfully treated for two different types of cancer. The costs would have been impossible without insurance. Our other dog is 11--and has never had a claim--but having the insurance gives me such peace of mind. I've only had to appeal one decision in over 10 years..

My little guy had a scary bug. When we took him to the urgent vet (who knew that was a thing?) we panicked over the bill but knew it had to be done. My hubby paid it without a single complaint. I told him I'd submit it to Bo's insurance. He didn't even know pet insurance was a thing. He was so surprised when the claim was approved and we got back almost all of what we had to pay! He'll tell anybody me who will listen how valuable pet insurance is now. It was my first claim submission and the process couldn't have been easier. 10/10 recommend.

"This is my first time using pet insurance, and I'm glad I chose pets Best. Filing the claim was easy, and I got what I consider a generous reimbursement on wellness and annual exam. These are things I would do anyway for my pet, so I'm really pleased. I feel like I am protected, but I still have options. For many years I was tied to a wellness plan at a big pet brand and the benefits got less and less- plus they were rude and acted like we owed them something. Now I can go where I want with my pet, get treated with respect and still feel covered if something bad happens and she needs a lot of care. I carry the wellness plan too, so for us it's a win win. Thanks pet best!!!"

Used to be very on top and quick with reimbursement process but it has gone downhill the past couple of years. At one point there app was just not working and they knew which made it more frustrating and annoying to submit claims because it was hard to do from my phone. They also significantly increased the price this year. Now I am stuck with Pets Best because if I change, everything will be a pre-existing condition. I would have recommended them a few years ago but now, I would not recommend unless you don’t mind waiting almost 10 days to get reimbursed.

Pets best is a scam. This is my experience over a 6 year period. I insured my shitzu as a puppy. Zero health issues. Took the complete and total coverage. At first they paid small amounts for vet bills, never what they claim but something. Every year the insurance premiums went up. For a few years they paid small amounts for claims. As my dog grew older she developed an eye issue that required surgery and they paid a small percentage of the operation. I figured that I needed to continue now that she has a prexisting condition and that since she is getting older it's best to continue because some coverage is better than nothing especially if she develops a catastrophic illness in the future. Their premiums started at around $50 and ended up at $135 per month. No major illnesses have occurred ever other than the eye surgery. All claims had to do with standard checkups and vaccinations. Pets Best beginning in the 4th year started to reject all claims. No explanation just denial. Not a penny. What this company does is very simple. They string you along by paying minimal amounts while your dog is young while raising your premiums without fail year after year. As your dog gets older they payout less and less until they outright reject your claims entirely. This forces you to eventually cancel your insurance with them. This way they reduce their exposure to more serious claims as Pets age. Now if I was able to prove this, I would have taken them to court, but to due so would be more costly than it was worth. I really believe that this is their business practice. This is my experience. I just want people who are searching for dog insurance to be aware and very cautious of this company.