I am rating Pets best 9/10 because overall they are awesome but it was not as easy as I had thought to submit a claim...
I have it for emergency care only for 2 cats. and the monthly bill after taxes is 46$ which I feel is reasonable.
I have had it for 3 months and had to submit 1 claim. I took both my cats on vacation to visit my family and my incredibly curious kitten chewed on an advil liquid gel cap! yikes! if yo don't already know that puts cats into kidney failure if not treated imeditley!!!!
So everything we needed to do was out of state, and not with our current vet. Pets Best did not even question any of that. AWESOME!
Submitting claims by mail or fax is very easy. And finding out what they require to process the claim is easily acessible.
the reason I gave a 9 out of 10 is because submitting the claim on line is tricky. And I was unclear of what they define as the "copay". The copay for my kitten was the emergency visit cost. So I had to cover that as well as my 250$ deductible. Which I felt was a little unclear when I had first signed up.
For submitting claims online I had about 8 pages of documentation. After I had scanned each page into the format requested online all 8 pages were too big of a file to place on the account. Increasing the size allowed would be beneficial.
I then tried to submit it by fax. My fax was fickle and only sent 3 pages. Within 8 hours I received an email that the claim was not complete and listed EXACTLY what was