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I have had Pets Best insurance for a few years now covering my 2 dogs (currently aged 8 and 10). This year had been a rough year so far for both dogs. One has been diagnosed with a chronic illness and had an ER visit due to ingesting a foreign object. The other dog (who we adopted a year ago) was recently diagnosed with mammary adenocarcinoma and has had 2 surgeries so far and will be starting chemo in a few weeks. I have been submitting claims weekly for the past 2 months and though the wait time can be up to 4 weeks, I have received payments on all claims and they were directly deposited into my bank account. I have only had to call Pets Best once with questions and the customer service rep was very knowledgeable and helpful. My rates did go up significantly this year (as have my vet bills!) but they are in line with other pet insurance companies for the type of coverage I have and I believe it is worth it. I highly recommend Pets Best!

ASPCA was the best choice I could have made for our family & our furry baby. The claims process has been seamless, the customer care exceptional & the security of knowing my baby is assisted for any health issues that arise is priceless. If you don't have pet insurance for your fur babies, GET IT! Selecting ASPCA will be one of, if not the, best choice you could make.

5 starts except that the last two claims I submitted had an unknown error on the website and they could not be submitted to I had to manually fill out a claim form and email it in. Which is super easy, just annoying to go through the online process for it to not work. Besides that ASPCA has been great and well worth it.

I wish I had contacted the BBB and read their reviews before signing up with Pets Best. They are awful. I have had one simple claim in the past year since starting this policy. I was told when I signed up that claims are processed within 15 days. After 30 days for this claim, I started calling and was told that it is actually 42 days. No one could tell me if/when my claim would be processed. Every phone call to customer service involved 30 minutes + on hold. Customer service reps know nothing and are not helpful whatsoever. After repeated phone calls with no resolution and no end in sight, I opened a case with the BBB. Several days after that I received a letter from Pets Best letting me know my rates are increasing 45% at renewal next month. When I signed up I was told to set up direct deposit so claims would get paid out in 1-2 days. I did that, yet my payment took a week. I cancelled my policy the day my reimbursement hit my checking account. This is a horrible company and I am shocked they are still in business. Do not use this company! I will be sure to spread the word.

I cannot say enough good things about these people. My sweet boy, who has never had any real issues had an emergency surgery in February (a successful splenectomy). Then this month, we took him to the vet because he didn't seem to be feeling well, and after discovering lesions on his liver, we had to say goodbye to him three days later. This was the most difficult thing I've ever done, but having insurance gave us the peace of mind to have blood work done, an ultrasound done, a surgical consult, pain meds, and finally, Caring Pathways to come to our home so our Bodie could be comfortable and in familiar surroundings. Pet's Best covered what my policy said they would. We knew with the insurance that we could afford to get the information we needed to make the best decisions for our sweet boy. They handled it all quickly, and with compassion. I am so grateful.

I bought Healthy Paws when my dog was between 1 and 2 years. He was just shy of 10 years when he was diagnosed with 2 types of cancer, needed surgery and chemo and was given 2 to 6 mo to live if untreated. Thanks to my policy, my dog is still with me and turns 12 next month. I don't know how I ever could have afforded all the treatment and ongoing followup visits and medications on my own. Healthy Paws has never given me problems and the turnaround on payout is super fast. I have the 90% reimbursement policy.

We adopted our American Bulldog last year after fostering her and her 5 puppies, after she was surrendered, very pregnant. We fell in love with Lizzy Girl while she nurtured her pups in our home and once they were adopted out we adopted her. Lizzy had pre existing loose bowel issues that I knew insurance wouldn’t cover-and they didn’t-but I decided to give pet insurance a try anyway. This is the first time I’ve ever had pet insurance. Well, it paid off immediately. Just a few months after we got her, Lizzy was bit on the face by a rattlesnake on our property and it was horrifying. We rushed her to the Vet hospital for anti-venin treatment and pain control. As they were telling us she would need to spend at least one night in the vet hospital, my mind started spinning over what this was going to cost, when my husband said, “Well don’t we have pet insurance?” I cannot tell you what a relief it was to just authorize the best care for my girl without the stress of the financial burden it would cause. MetLife reimbursed us in a very timely manner and filing the claim was so simple. We’ve filed other claims, less dramatic in nature, and MetLife has been great about reimbursing for all costs that are covered in our policy. It is a big relief to me to know I can get the best Vet care for our big, silly girl and just let her explore her world and enjoy her life. She brings us so much happiness and joy and MetLife gives us peace of mind.

Awful! Justin Daughtry's negligence directly caused my cat to develop diabetic ketoacidosis. My cat also obtained a skin injury while in SOTH direct care due to Melissa's lack of compassionate care. Now they refuse to answer my questions in email and demand I talk with them on the phone because they refuse to admit that they made any mistakes. These people are rude, unprofessional, narcissistic, and only care about taking your money. My cat almost died because of State of the heart's incompetence!

Our last dog was quite healthy but needed some therapeutic help as he aged with amazing results.. but we did not have any insurance. When we found our new dog, we knew we wanted to have insurance and I chose Healthy Paws. Well, Finn (new dog) has had a TON of issues. Skin, ear, bladder stones, nasal bacterial infections, and an ongoing cough to name a few. Healthy Paws has been beyond amazing. I feel bad that we have received so much more $$ benefits than we have paid in... not even close. They are quick to review and authorize invoices and have not refused to approve a procedure yet. It is comforting to know that Finn will get the care he needs. So glad I chose Healthy Paws and recommend to ALL my friends with pets.

Lemonade is amazing- submitting a claim is so easy and they walk you through each step. The final result of the claims are fast and thoroughly explained, and when a claim is approved, they deposit the money right into your bank account in a couple days! Any questions I’ve had were answered quickly and thoroughly and I love knowing my pups health is covered by them.