Pets Best | Pet Insurance Review

I have had nothing but good experiences with Pets Best for my now 19mo old Golden Retriever. All the medical has been paid for correctly without any problems. Very happy with this coverage.

I bought the premium insurance that covers approximately 90% with a $200 deductible as well as wellness. Approximately two months ago, I submitted a claim for an allergic dermatitis. My vet gave a steroid as well as some antibiotics, which came out to approximately $200 and a referral to another dermatologist for further evaluation. The dermatologist proceeded to prescribe two medications and two shampoos in order to treat the condition and the bill was approximately $700. It took approximately three months for a decision, and I was denied on all parts because either it wasn’t covered or there was more medical records that were needed. During this process, I have called the help center multiple times, and I always get the runaround or broken promises on follow ups. For example, the service desk said that they would give me a call for updates, which never happened, and that they would follow up with my vet, which they never did. I have uploaded the medical records from the vet, but they say that these particular records did not provide enough information. For contrast with a different pet insurance, the same medical records that I uploaded were able to be processed, and the decision was able to be made with dispersement within two weeks. Please do not use this company! Although this claim was only a few hundred dollars, I’m nervous, that if there was a larger expense, I would not be able to get the appropriate reimbursement. I thought this was a good deal, because they included wellness as part of their insurance, but it seems as though this is a scam. Additionally, I’m worried that if I go with a different pet insurance, I would not be able to get insured because of my pets, pre-existing condition. I’m upset that I didn’t do more research into picking the right insurance, but I hope my review will prevent you and others from having the same frustrating experience as I’ve had.

I was skeptical about having pet insurance but thought it was a good idea with a new puppy. I have been thrilled with the customer service and turnaround times for claims. So far I have only used it for wellness, but it has been very helpful. Thank you!

3 years of paying them, for my 3 dogs, I never filed a claim with them, because my dogs are mostly healthy they go to the vet twice a year and they are usually well. Then Rocky has an accident break his tooth and he has to have a procedure to relief pain and avoid infections. But he was denied because he is 6 years old, they only accepted like $400 of the $1300. I was furious how can someone deny him for the age, at only 6 years old. If instead of the insurance I saved that money in a savings account, I would have used only a 30% of it to cover 100% of the expense. So from now on I will do that, save it in to a doggy savings account for emergencies instead or hire a better insurance provider.

They’re quick to add everything to your 500$ yearly deductible, but as soon as you hit that and expect them to start paying, well, good luck getting a penny out of them. Will be canceling my policy.