PLEASE READ, very important congenital information

Out of 10

We recently just got an Irish Setter puppy so we were new to the pet insurance stuff. After what I thought was months of thorough reviewing I decided Pet's Best was the best choice out there. PLEASE TAKE THIS INTO CONSIDERATION: Our 6 month old pup just got diagnosed with one of the rarest heart defects a dog could ever get. No worries, I thought, I have pet insurance. Nope. Pet's Best DOES NOT cover any congenital issues. Please make sure to get an insurance plan that covers congenital problems. Trust me, we never thought our puppy could have anything wrong, especially since Irish Setters rarely have health problems. We just got dealt a really really crappy hand. Now we will be dealing with an $8,000-$10,000 bill, if open heart surgery can even be done. So please take my advice and pay the extra money for congenital coverage from another company.

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heart defect
Claim Amount
Over $1000

Irish Red Setter

Age of Pet
Under a year

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Posted: 12/06/2013

Truly, it comes down to reading the fine print. You are right. There are a couple of other insurance companies who will cover those hereditary or congential problems. They are a little more expensive, but in hindsight now that i have done a lot of research, I probably would prefer that type of policy. You just never know...
Also, be sure to read Pets Best breed exclusions. There are some specific breed exclusions such as beagles are not covered for epilepsy or glaucoma, but other breeds are. It really comes down to doing your research. I have found Pets Best to be honest about their coverage. It's up to the consumer to also know what is and isn't covered by reading the exclusions.