217,670+ Pet Insurance Reviews You Can Trust
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Pets Best is untrustowrthy
This is an update to a review I published several weeks ago. I hope that it appears as prominently on this Web site as so many of the positive reviews do. I've just completed an appeal with Pets Best on a claim that was denied the first time around. The first appeal itself has now been declined. What's exceptionally frustrating about the experience with Pets Best is that I'm not an uneducated consumer. I knew exactly what my policy bought, and what it didn't, and how my deductibles worked. At the beginning of this year, my dog had arthritis treatment, for which Pets Best reimbursed me about $1,000. This was satisfactory and within the terms of the policy. A couple of months later, I learned my dog needed two cruciate ligament surgeries, one on each knee -- one for a fully ruptured ligament, the other for a partial tear. I called Pets Best twice in April, prior to the surgeries, and twice was told the surgeries were "separate incidents with a cap of $2,500 reimbursement each." Thus, I approached these two surgeries (they would eventually total $18,000) knowing I should only expect back a maximum of $5,000, and not more. Good enough, and I'd have to live with it--in fact, Pets Best didn't always provide any support for cruciate ligament injuries, because they are so common in large dogs such as labradors, but in the last couple of years they advertise that they have made their policies more attractive by offering that "$2,500" per incident coverage for the specific injury. The first surgery came with an initial bill for $7,500, and Pets Best reimbursed me for $2,500. That was exactly what I'd been told to expect. After the second surgery, though, they only reimbursed $1,500, claiming that I'd already "dipped into the cap by $1,000 earlier in the year with the arthritis treatment." Huh? As noted, my dog was treated for arthritis earlier in the year, but the arthritis was unrelated to his ligament surgery. In some cases, arthritis can be related to damage in cruciate ligaments - this just wasn't one of those cases, as my vet attested, in writing. A Pets Best "Customer rep" named Jesse Park said that it would help my appeal to provide a letter from my vet stating that my lab was being treated for "arthritis as a fully separate condition from the two ligament issues," and that the "arthritis is not connected in any way causally to Griffin's cruciate ligament injuries."Also that my dog's "arthritis treatment was delayed due to the cruciat
Insurer: Pets Best
By: Robert
Miniature Schnauzer with cancer
About a year after I insured my adopted, young, rescue dog, my dog was found to have soft tissue sarcoma. She has periodic x-rays and lab tests, and is on fairly expensive daily medication. Although Trupanion does not reimburse for the vet visits, they reimburse for all the related tests and medications. They pay the claims quickly, usually responding within a day and paying within a week. Because they pay based on condition, not the calendar, once I met the deductible, all covered expenses are paid, even across year-end. Being semi-retired, I don't know how i would manage without this coverage.
Insurer: Trupanion Canada
By: E
Excellent, claims are easy and paid promptly
My dog was diagnosed with cancer and trupanion has been great with the claims. They've paid everything promptly and they gave me a pre-approval very quickly so I could continue the treatment without any delays and without worrying about whether a whether an expensive treatment would be covered.
Insurer: Trupanion Canada
By: Andrew
Excellent, claims are easy and paid promptly
My dog was diagnosed with cancer and trupanion has been great with the claims. They've paid everything promptly and they gave me a pre-approval very quickly so I could continue the treatment without any delays and without worrying about whether a whether an expensive treatment would be covered.
Insurer: Trupanion
By: Andrew
ASPCA helped in an emergency
While I wish their coverage was more comprehensive for wellness/ preventative care, it was great in an emergency situation. Our dog was vomiting with bloody diarrhea for about a day and 1/2 and just not herself. We noticed it getting progressively worse and that she refused to eat and wasn't really moving much. She was admitted to the vet hospital for about a week due to potential pancreatic issue. Our bill was around $8,000 after everything and ASPCA covered a large portion of it, making it much easier for us to get the care that she needed.
Insurer: ASPCA
By: Jess
Very easy and quick claim processing
The claim form was easy to complete. The processing was done within a few days. Very happy with Trupanion, very efficient and would recommend them to family and friends.
Insurer: Trupanion Canada
By: Connie
Very easy and quick claim processing
The claim form was easy to complete. The processing was done within a few days. Very happy with Trupanion, very efficient and would recommend them to family and friends.
Insurer: Trupanion
By: Connie
Wellness Care
We have a 20 month old Great Dane. We have had Embrace for the last year. Very happy with their customer service and explaining coverage. Pice of mind knowing they have our back.
Insurer: Embrace
By: Bob
claim was handled well
claim was submitted and handled in a quick manner
Insurer: Trupanion Canada
By: sammie