Pets Best | Pet Insurance Review

This is a long one…So I purchased my English golden retriever in May 2022. Three days before I took possession of her I decided I would be a responsible pet owner and purchase insurance for her. I decided to go through my car/home insurance (Progressive) which worked with Pets Best. They seemed to have good reviews and I could just add it to my other insurances. I began my policy 3 days before bringing my dog home. Once she was home, it seemed she may have a UTI. I took her to the vet where she was treated for this UTI and she was also referred to Purdue Animal Hospital because the vet thought there MIGHT be something else going on. She did NOT diagnosis her with anything more than a UTI. When I submitted the claim for the UTI it was denied because it was within the first 14 days of the policy start date. Annoying, but fine. Then over a month later (way past the first 14 days) we took her to Purdue Animal Hospital where they diagnosed her with 2 ectopic ureters. She would need surgery which was scheduled for July 5, 2022. 2 MONTHS after I started my Pets Best policy. Now, my husband and myself were not aware of any of these issues when purchasing her. The ONLY thing we were made aware of was that she had an inverted vulva, that was genetic. But all her other issues were just thrown at us by the different vets we took her to. She had her surgery, I submitted the $1300 claim and it was denied for it being a “preexisting condition.” When I contacted them the lady I spoke to seemed annoyed and just said “l’ll email you a dispute form, but it will take at least 90 days to process.” This was obviously discouraging because their regular claims process takes weeks to get completed anyway. As we continued to rack up our credit cards with vet visits to try to get our sweet girl healthy, every single claim was denied. We spent over $4,000 in vet bills on a pure bred English Cream Golden, who for all we knew, had an inverted vulva that would pop itself out in 1-2 heat cycles. Plus we spent our monthly premium to pets best for literally nothing. Oh and the cherry on top. I had one last claim being finished when I already cancelled my policy. Just got the notification that it was completed today. They applied that claim to my $500 deductible!! What!? pretty sure the $4000 we have paid is well over that $500 deductible. DO NOT GET THIS PET INSURANCE. They will do nothing to help and they take forever to process anything.

Keeping track of and getting reimbursed for your vet bills couldn’t be easier. Your given an explanation as to the what and why of whats covered as well. Pets Best insurance came highly recommended and I am extremely happy I chose them!

The company is responsive and straightforward. Always requests more time to process the claims. Only reason why it is not a 5*

My sweet dog needed emergency overnight surgery. My vet gave me the necessary information and I filed a claim with Pets Best online. The process was very easy, and Pets Best paid the claim promptly. My pup is healthy and fine now, and I'm really happy my dogs are insured with Pets Best!

We were covered for everything that I expected from the agreement that I signed. The only downside is a slower claim review and reimbursement turnaround time, but for the monthly rate I think this is great coverage that is affordable.