Pets Best | Pet Insurance Review

After paying premiums for over seven years, our first claim was denied on a technicality. Our 10 year old dog injured his spinal disk jumping off the deck. Searching for other age/issues unrelated to the specific injury the company found a technical loop hole to deny payment of $3500 on a $18,000 bill.

I guess it was my own fault, but I did not realized that I had only a $2,500 limit on my cat's diabetes claims. I have now reached that limit and pets Best will no longer pay anything toward "Phil's" diabetes expenses. I guess that is a typical limit for other insurance companies too; however, it is devastating news for me. He is about 12 or 13 years old and the sweetest cat ever. He requires 6 units of insulin twice daily as well as periodic testing and Rx food, in addition to his wellness treatment. I can no longer afford to pay his bills without the insurance help and I don't know what I'm going to do.

I use to really love Pets Best but lately they have been taking much longer to receive and process my claims.. Before I'd fax my claim in the morning and in a few hours I get an email notifying me that my claim has been received and is processing but now it takes 2-3 days. Also they don't notify me when my claim is processed anymore, I always have to log on to check the status. I'm not sure if their clientele is getting bigger but it's taking too long to receive my reimbursement. I'm only keeping them because my policy is cheaper than most other insurance companies out there and everything would be pre existing if I signed up with a new company.

Someone denied my claim for an illness, but did not support the decision. They took 2 weeks to process it before emailing me to give more detail. I sent an invoice, and they said they needed to get paper work from my vet, then they denied it saying it was from before I put insurance on the dog. But it was false and they will not provide me the paper to show it was an illness prior to insurance date.. terrible..

Just sent my paid bill from clinic, 3 weeks later get direct deposit from PetsBest. Quick and easy!