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Run the numbers!
Buying insurance from Pets Best seemed like a good idea and, like all insurance companies- I guess- turned out to be more of a money maker for Pets Best than the insured. I didn't like that the monthly premium kept going up- automatically, each year as if it should be an accepted way for insurance companies to do business. Like they were owed that increase regardless of pay outs. Anyway, ultimately, I ran the numbers for me from March '25 to March '26- during which there was another premium increase in July. My total payout for insurance and vet bills was $2325. This included my dog's annual wellness check up and two visits. The total covered and paid by Pets Best was $251! Had I just put money into an interest bearing account for Vet stuff I would have saved $1187. Maybe this doesn't seem like much but it adds up! I know that the reason insurance is bought is the fear of some big Vet bill- which, I guess, could happen. It's a roll of the dice. However, had I just put money aside for Vet stuff instead of giving it to Pets Best, I estimate that I would have close to seven or eight thousand in the bank at this time.
Insurer: Pets Best
By: Michael Pray
Be aware that ER visit may not be completely covered
Be aware that they don’t cover all aspects of an emergency room visit. For example, an exam is necessary to diagnose the emergency. Not covered. Medications sent home (no prescription filled but meds to continue to treat acute episode) also NOT covered. Not very good coverage unless you pay more. They also scrounge around to get records from your general vet to see what might not be covered as a pre-existing condition. Dog had 2 episodes of swimmer’s ear that general vet miscategorized as chronic allergic dermatitis. Last episode was 2 years ago. Thus, I was alerted to the fact that it won’t be covered in the future. Disappointed that I purchased and may discontinue.
Insurer: Embrace
By: Mary Dupont
Great company!
Met life pet insurance agents are knowledgeable and caring, and took care of our claims quickly and accurately. They’re a great company and I would recommend them highly to anyone.
Insurer: MetLife
By: Ctp
It’s the first time I have ever had pet…
It’s the first time I have ever had pet insurance, and the fist time I ever had an emergency that really scared me with my golden retriever. I called to ask about filing a claim and customer service was amazing and guided me through exactly what I needed to do. The response time on the claim was so quick, I was amazed. So thankful to have my dog and to have had the insurance to assist with the emergency.
Insurer: Trupanion
By: Lisa
Easy claims submission and timely…
Easy claims submission and timely processing.
Insurer: Spot
By: Tani
I pay for gold preventative but when I…
I pay for gold preventative but when I submitted my claim for heart guard they didn’t cover any of it.
Insurer: Spot
By: Denise Leake
Ease of filing a claim
Ease of filing a claim. Swift response. Quick Resolution and payment of claim.
Insurer: MetLife
By: JEFF BLACK
Fast and easy reimbursement of vet bill…
I was very pleased with the quick reimbursement of my vet bill. The process to submit online was very easy and I was reimbursed in about 10 days directly to my bank account.
Insurer: Spot
By: Maria Boener
Easy to submit claims
Easy to submit claims. Fast service and good communication.
Insurer: MetLife
By: customer