I have had Pets Best Insurance for my two pets for a year and a half before I ever filed a claim. In September 2010, however, I lost my beloved pet Trixie Belle. She died from unknown trauma and within a couple of days of going to the hospital--but not before a battery of tests amounting to more than $1,200.
Even though it took me a few weeks, I did eventually call the insurance to let them know. They were very sympathetic and immediately canceled the insurance for Trixie Belle and refunded the remainder of the premium. They also emailed me a claim form to assist me in submitting my claim. Shortly, thereafter, they also sent me a condolences card, noting that they made a contribution in memory of Trixie—something that brought tears to my eyes. Their customer service is just phenomenal.
I was so devastated that it took me seven weeks to submit my insurance claim, but only ten days for PetsBest, to send me a check. The payout was exactly eighty percent of the submitted claim minus the copay and without any other reductions. I really appreciated that they did not give me problems or ask unnecessary questions. PetsBest made this difficult time much easier for me by treating me with dignity and respect. I would recommend them without hesitation.