Pets Best | Pet Insurance Review

Want to pay monthly premiums and not get covered when your pet needs healthcare? Like upholding your end of the deal and later realizing the company won’t fulfill theirs? Then this insurance is for you! My kitten developed eye redness after we purchased the insurance plan, and I went to the vet. The vet mentioned in the note that the cat had occasional sneezing (not the actual reason we went there, just as a side note). When it came to reimbursement, the claim was denied because the occasional sneezing was deemed as a “respiratory infection”, which, intern, was deemed a “chronic condition.” The cat had a history of upper respiratory infection prior to adoption, and hence they claimed it’s a pre-existing condition. I don’t know if the people reviewing the claims are smart fraudsters or just stupid, but as a physician, I can attest that it is not how URIs work. You are “allowed” to have them multiple times a year, it is not a “pre-existing” condition like cancer or diabetes; each episode, if spaced out in time, is a brand new instance. Furthermore, this has nothing to do with eye redness (conjunctivitis) for which the cat was treated for with ophthalmic antibiotic and had a corneal exam. Over a dozen hours were spent communicating with the insurance reps and countless neurons destroyed by the stupidity of their reasoning... Needless to say, I’m no longer their customer (they had the nerve sending me an invite to resume my membership; like yeah, why wouldn’t I!), and now I’m putting away the amount I would’ve paid for monthly premiums into a savings account, self-funding my pet emergency account, knowing that if I have an emergency, there will actually be money to cover my expenses.

Want to pay monthly premiums and not get covered when your pet needs healthcare? Like upholding your end of the deal and later realizing the company won’t fulfill theirs? Then this insurance is for you! My kitten developed eye redness after we purchased the insurance plan, and I went to the vet. The vet mentioned in the note that the cat had occasional sneezing (not the actual reason we went there, just as a side note). When it came to reimbursement, the claim was denied because the occasional sneezing was deemed as a “respiratory infection”, which, intern, was deemed a “chronic condition.” The cat had a history of upper respiratory infection prior to adoption, and hence they claimed it’s a pre-existing condition. I don’t know if the people reviewing the claims are smart fraudsters or just stupid, but as a physician, I can attest that it is not how URIs work. You are “allowed” to have them multiple times a year, it is not a “pre-existing” condition like cancer or diabetes; each episode, if spaced out in time, is a brand new instance. Furthermore, this has nothing to do with eye redness (conjunctivitis) for which the cat was treated for with ophthalmic antibiotic and had a corneal exam. Over a dozen hours were spent communicating with the insurance reps and countless neurons destroyed by the stupidity of their reasoning... Needless to say, I’m no longer their customer (they had the nerve sending me an invite to resume my membership; like yeah, why wouldn’t I!), and now I’m putting away the amount I would’ve paid for monthly premiums into a savings account, self-funding my pet emergency account, knowing that if I have an emergency, there will actually be money to cover my expenses.

Pets Best Insurance has literally saved my dogs life! Without insurance, we would not have been able to afford all of the medical bills she has accumulated. She is in the middle of chemotherapy for T-Cell Lymphoma and there is no way we would have been able to give her these treatments if we didn’t have insurance. Thank you Pets Best for allowing us to have more time with our loved one!

I need to look for new pet insurance. Submitted a $500 bill and was paid $15.00. This twice now I’ve received little to nothing back in a claim.

I am very happy with the coverage and ease of filing a claim. However, my premiums have now increased 45% on a 2 year old insurance policy for a dog that is less than 3. That’s pretty steep and a poor business practice, in my opinion. People will either cancel the policy or make more trips to the vet to justify the cost of coverage. The claim reimbursement is also now taking considerably longer than when I first took out the policy. Pretty typical, more money for less service. Not sure how much longer I’ll keep the policy. At a certain point you might as well just put what you’d pay in premiums, into a savings account to cover expenses and have your own insurance policy. At least that way if you don’t need treatment for your pet, you’re not throwing your money away. I understand it’s a business that needs to make a profit, but a 45% increase in just 2 years is a bit absurd. If the upward trend in premium costs continue at this rate, I’ll most likely cancel the policy. If not, at this rate of increase, I could end up spending over $30K in premiums (not factoring in a $250 deductible and the co-pay) on a dog with a life expectancy of around 13 years. Quite the gamble.