Pets Best | Pet Insurance Review

Pets Best is horrible. When I bought the insurance I had no idea my dog was going to injure his cruciate. In the plan, it won't cover cruciate injuries for six months after purchasing the insurance. I understand that due to dogs blowing cruciates and people buying insurance to cover it. However, he DID blow the second one after the six-month waiting period, and Best Pets denied the claim stating it was a pre-existing condition. He had NOT blown EITHER cruciate at the time I purchased the insurance and thus, the condition was NOT pre-existing. He blew the first one five months into the plan. I could have waited and filed a claim after the six-month waiting period but it wouldn't have been fair to the dog. To make matters worse, they RAISED MY RATES without notification. They raised it by ten dollars. Some insurances would have covered both cruciates and if not the first, the last. The customer service got a 3 because they answered the phone and the person on the other end was pleasant. They got a 2 on the ease of filing a claim because my vet sent in my pet's records 3 times and Pets Best said they never received it. I had to go and upload all the records myself. It was frustrating. I should have done better research because others have had the same problem with raising the rates and filing claims. Others have experienced long, drug-out claims reimbursement. I will research other insurances for my new puppy and switch my other dog.

I have two dogs that are approximately 10 years old. Up until now they're premiums were about $10 apart. But I guess because I file a lot of claims on one of my dogs even though I've never reached the $5,000 maximum payout Pet's best decided that they would just practically double my premium without providing me an adequate explanation and you can't get anybody on the phone to explain it either. I think they're trying to make up for the fact that I do have claims paid even though they never exceed $2,000 for the year. so now my policy went from 1000 a year to 1800 a year. Meanwhile my male dog similar in age and hardly any claims, his premium stays the same. I think they're trying to get money back from claims that they paid and they're not providing and explanation. I'm considering following a complaint to the attorney general for unfair business practice.

I always get an email that there’s a delay every time I submit a claim I had three claims in April but every time I submit one I always get an email that there’s a delay and my other daughter has Pets Best insurance and always gets a check. No delay.

So so far it seems the review of claims is taking longer than a week. Also requesta for additional information on claims are inconsistent. I had two claims going, one for each of my pets who both got the exact same annual wellness exam both had itemized receipt. But one was reviewed asking for a document that was had more clear about amount. Last so far the amount reimbursed for wellness items are well under what paid only about 55 % of the total. So basically I would have saved money if I just paid out of pocket. But now I have to pay my premium and pay the difference with will end up totalled to more per year. I will not be renewing service next year.

Very disappointed with my rate increase with a 2 year old cat. Also, they sent me a quote lower than I am paying. I called on several occasions to check this out and basically, they said, just like people, as you age health insurance goes up. The person I spoke to at Pets Best today could not review policy with me. She said she could not see it. Not good customer service.