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Get a savings account instead
Summary: - Continues to increase prices drastically with each renewal (double the price in 2 years, and double what a new policy would cost) - Starts to deny multiple claims after one expensive claim, makes it impossible to dispute their denial even when it's invalid. - Does not let you cancel your policy online, auto-renews your policy if you don't cancel it, forces you to call their support line to make changes. - Ultimately a sunk cost, get a savings account instead and get interest on it instead of burning your money. Full version: I hope this information helps someone make an informed decision for their pet and their budget. When I started using pets best back in 2021 they were great, but in 2022 they upped the price from 90 to 115. That in itself would have been fine, but after one tooth extraction they started denying every claim I sent in for odd reasons. (example below because I hate long winded reviews -- despite writing a very long winded review) NOW, the policy is up for renewal for 2023 and has jumped up to 168 a month. This is more than double what it was when I started. I understand age-related risks, but the whole point is to get coverage early so that you can have security later in life yes? There's no loyalty to a long-term member or long-term coverage for elderly pets. Ok so can I cancel this policy easily now that its doubled the original agreement? Of course not! No I have to call their support center-- super sus business practice, by the way! You know what else is wild? I checked to see what the same exact coverage would be if I had a new account, and I was quoted $99.05/month. Much closer to my original quote, even though my cat is 2 years older than when I started. Do with that what you will. So far I have spent $1833.47 in monthly premiums. Pets best has reimbursed $1247.56 (meaning from just a cost to cost comparison I've lost -$585.91) and I have paid $1178.05 in charges not covered (or wrongfully denied.) (BONUS) Example of a wrongful denial: They claimed my cat getting stressed and not eating after I went out of town (thus needing IV fluids) was a "pre-existing condition" -- She had no pre-existing conditions by their contract's definition when we started, anyways. But that didn't change the result. Edit: Attempted to use the live chat feature as suggested in pets best's reply. There are "too high of volume of chats" to connect with an agent -- this again, redirects you to calling their support line. (This option doesn't show on certain browsers, if you don't see it try firefox) And, as they put it, "different underwriters" can cause you to pay double what other members are paying for the same coverage. Again, do with that what you will.
Insurer: Pets Best
By: Matthew Clark
Quick and Smooth transactions
Quick and Smooth transactions
Insurer: Pumpkin
By: customer
Denies claims
No reimbursement what so ever; very hard to reach. I sent emails that were requested and received no replies. Always denying my claims.
Insurer: Spot
By: Myra
Okay to updraft info but no person…
Okay to updraft info but no person available to talk me through claims procesd
Insurer: Embrace
By: Winde Godin
The worst service in the world
The worst INSURANCE and SERVICE in the world, Total corruption and Scam, Do not Do not buy this insurance. they cover nothing mean nothing, they are awful and very Nasty on the phone. I'd rather have no insurance than have trupanion they are total scam and Fraud. BE AWARE They are awful!!!
Insurer: Trupanion
By: World Acu
Wonderful when my baby passed
My Yorkie passed away and Spot was great They took care of everything and were so compassionate. The claim was paid promptly with no issues.
Insurer: Spot
By: Wilma
Spot Insurance provides such an added relief knowing you have it to help with vet costs! The claim entry process has been easy and flawless!
Spot Pet Insurance has made every thing so easy, from selecting our policy to entering claims, The claim process has been efficient in letting us know when our claim was accepted, in processing and payout % easily deposited into our bank account.
Insurer: Spot
By: Brenda Sylvestre
Great deal for the money
Great deal for the money. I have 6 Siberian Huskies, 3 Pomeranians, and a toy poodle. And I spend a lot of money on them from time to time. And I get reimbursed very quickly.
Insurer: Embrace
By: Millie Chauncey
Great Company …
When our Louis needed emergency surgery, we had no trouble with the bills. Trupanion handle everything on their end.
Insurer: Trupanion
By: Consumer
Rachel was awesome
Rachel was awesome. She took the time answering all my questions and was very knowledgeable, providing me with additional information making the decision quite easy. The price for the policy is quite manageable given the benefits received. I also loke the fact that the vet is paid directly. All I have to do is pay my deductible. Not having to pay everything upfront and wait for reimbursement is an excellent benefit.
Insurer: Trupanion
By: Joe P