Pets Best | Pet Insurance Review

Every claim I have sent in in the past month has needed attention. I have faxed them emails going on their website and they still need attention. I have paid five vet bills since October eighth. I don’t know how to give an itemize list for a prescription either I sent them the receipt the order from the doctor and there is no itemize list for prescription. I’m getting tired of getting this email every morning that they can’t read it when I have sent them in many times in different forms. Also should have read the policy closer my dog was just diagnosed with OA suspected coronoid disease both elbows which I was told anything bilateral in regards to surgery isn’t covered or long term treatment for OA. I will be changing my other pups policy and wait to see if they cover additional e rays scheduled next wk. After that what’s the point of this policy ?

I appreciate that my recent claim was processed so quickly and appropriately . Thank you!

Pet's Best provides the kind of financial support that can save your pet's life. It is my preferred provider that I recommend to families who adopt puppies from our kennel. I recommend what I call catastrophic coverage which has five key features, 1.) high deductible ($1,000,) 2.) good coverage after the deductible is met (90%,) 3.) does not cover exams (represents a small part of treating serious injuries and sicknesses,) 4.) No treatment limit (with today's vet bills $10K or $12K just doesn't cut it,) and finally 5.) affordable premiums ($400 to $500 per year.) For day to day care you do not need vet insurance because the final outcome of that process depends more on whether you actively control and improve the process rather than whether it is covered by an insurance company. Bear in mind that vet insurance companies do not negotiate rates with providers like human insurance companies do so you are not getting a special rate because you have insurance. The optimal value for daily vet visits comes from your critical evaluation of whether the vet is doing a good job for the money and from being trained by the vet to handle daily care yourself. You must train yourself to handle daily occurrences with your own resources otherwise you will be financing some vets retirement. Now days, life threatening canine injuries and sicknesses start at about $5,000 and go up. This is when your catastrophic Pet's Best policy kicks in and saves your pet's life. Bloat, CCL tear, cancer, untreated, are a fast or slow death for a dog. The CCL tear (ACL in humans) is debilitating and painful for the life of the dog, untreated. In the city, the corrective surgery, TPLO, costs about $6,000+ per knee. With catastrophic coverage you pay the deductible $1,111 (based on 90% of cost not 100%) and 10% of the rest plus exams or $623 for a total of $1734. With your deductible covered you might also be able to collect on previous and future treatments for the year. The surgery is very effect and after recovery your dog is back to normal in most cases. let suppose you pay for this catastrophic Pet's Best insurance for the 12 year life of a Bernese Mt Dog only to have the dog die quietly in sleep of a heart disease at age 12 with no other serious medical incidents. You've paid $6,000 over the 12 year life of dog an never had to use it. Is that a bad deal? NO!!! If you could guarantee to me that you could sell me that Bernese Mt Dog that would live 12 years without any catastrophic disease then I would gladly pay you $10,000 for it. The problem is that nobody can make that guarantee so all we have left to protect ourselves is catastrophic Pet's Best Insurance. I never want to use it but I have it and I will use it in order to save the life of my dog.

Overall we have been very happy with pets best and our insurance policy. The website is easy to use and claims are easy to submit. Anytime I have had to call the support has been friendly and helpful. The areas for improvement are the claim processing time. It almost always takes longer than the initial quote, even when they have everything from the vet. We did have to do a little back and forth on one recent claim due to them not reaching out to our vet for the records they needed and not communicating with us about issues. Eventually it got fixed and the person on the phone was helpful in figuring out all out.

I got insurance for my cat and suddenly he started feeling sick. Took him to the vet, and I came to find out he has kidney failure these people categorized it as a pre-existing condition, which is not the case because I just found out about it! I took them almost 1 month to review a claim and had I wanted to dispute their decision was going to take them 90 days to answer. I simply canceled the policy. I FEEL STIFLED! What do i have insurance if it is to no good! Crooks! really.....PUT YOUR $$$ ELSEWHERE