Payment Experience

Read pet owners’ reviews on payment experiences with pet insurance companies. Learn how easy it is to pay premiums, manage billing, and whether payments are processed smoothly and transparently.

13,916 total


August 27, 2025

Amazing pet insurance!

I recently had to have a procedure done for my Shih Tzu because she had eye lashes growing into her eyes and laying on her eyes causing constant irritation and tearing. Can you imagine having several eye lashes laying being in your eyes every day, all day? Even though it was a very costly surgery, (freezing of the affected hair follicles so they won't continue to grow), Pets Best paid almost the entire bill minus the deductible. Over $2000! Also paid for most of the pre surgery visit to determine if surgery was needed. I couldn't be happier with their response and the speed of being refunded! This is an amazing company. Don't put off signing up your dog. Especially helpful for full breed puppies, since you don't know what type of issues they will have. I will be continuing with Pets Best as they have proven themselves tenfold! Thank you Pets Best!

Useful
August 26, 2025

Smooth Claim

We submitted a couple claims for out pet. The process was simple and the payment arrived as expected.

Insurer: Pets Best

Veterinarian: Meridian Street Veterinary

By: Jim

Useful
August 25, 2025

Thanks Pets Best!

When we noticed random bruising on our 3yo Pomeranians belly, we took her to the emergency room and she had to stay in the hospital for 2 nights. She had been perfectly healthy with no illness indication, but she was diagnosed with an auto immune that lowered her platelet levels dramatically, which caused an inability to form blood clots. With the support of Pets Best, I felt confident in having the hospital run all the tests and provide the care that was needed for our little sweetie. Submitting the claims for approval was simple and thankfully, even her ongoing bloodwork and medications are being covered. It's terrible to have a sick pet, but thankfully, we don't have to stress about the financial side of taking care of her, thanks to Pets Best!

Insurer: Pets Best

By: Kearie

Useful
August 25, 2025

Pets Best is the Best!

I appreciate how easy it is to submit and receive reimbursement after I've met my deductible. The process couldn't be more seamless - I upload the invoice for his monthly medications, I'm updated during all steps in the process, and receive an EOB once it's been completed, and I'm able to link reimbursement directly to my bank account. Everything is tracked and easy to access in my online account. I'm so glad I decided to get pet insurance for my dog!

Insurer: Pets Best

By: Jenna

Useful
August 23, 2025

1st claim process experience.

I took my one year-old GSD for her annual shots. Filing the claim was very easy and simple. Everyone kept telling me that my first claim would take forever for the payout. It was directly deposited into my bank account within 3 to 5 business days of me filing the claim. So no, It didn’t take forever. It was actually very fast.! Thank you very much! 🐾🐶

Insurer: Pets Best

Veterinarian: Ralston Vet

By: Nikki

Useful
August 16, 2025

Foreign Body Ingestion

Emergency Surgery. Pets Best made the process very easy and processed payment within 3 weeks. Would highly recommended for all pet needs

Insurer: Pets Best

By: Duvan

Useful
August 09, 2025

Claims Process

It is so easy to file a claim online and the next thing you know is that you are getting reimbursed by direct deposit. I would highly recommend that you get pet insurance for your family member. New or existing pet owners. Accidents and illnesses can occur at any time.

Insurer: Pets Best

Veterinarian: Valley Veterinary Hospital

By: Kimberly

Useful
August 01, 2025

I do not recommend PHI Direct.

My cat's policy was cancelled simply because I got a new credit card — and PHI has no way to update payment information online. The only option was to call, but every time I tried, it was outside their limited business hours. As a result, I was told I had to start a new policy from scratch, pay a $40 registration fee, and that my original $36/month rate was not guaranteed. All of this could have been avoided with even the most basic online account tools, which every other modern provider offers. Customer service was unhelpful and rigid, showing no concern for retaining clients. I’ve now switched to a provider that offers proper digital support and flexibility. Would not recommend PHI Direct.

Insurer: PHI Direct

By: Maryna

Useful
July 30, 2025

Pets Best is best for pet parents

"It is so easy and efficient to file a claim I was able to do so before I left the vet office. This is great that I can take care of my pet and square away the paperwork quickly. Parker had his 6 months check up and as a senior boy I appreciate not having to worry about vet bills. I can keep him healthy with peace of mind."

Insurer: Pets Best

Veterinarian: Town N Country Animal Hospital

By: Ashley

Useful
July 29, 2025

Coopers first Vet visit check

We recently got a Golden doodle pup and took him for his first vet appointment with us to get his vaccine updated and a wellness check by the vet. Paid a little over $240 in total then submitted the claim that same day for cooper since my co- pay is $200 so I made that line mark. Have 80% refund amount so in leas than a week I heard back and got approval for $170 refund amount! Overall easy to submit a claim and got a check in the mail easy to deposit as well. First time getting dog insurance and couldn’t be happier with PETSBEST! Definitely recommend it to anyone who has fur babies !

Insurer: Pets Best

Veterinarian: All Pets Hospital

By: Alondra

Useful

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