Pets Best | Pet Insurance Review

My dog has had 3 surgeries during 2 operations costing over $10000. Without PetsBest I would have had to put my dog down. Their service is great and it took under a week to get reimbursed. I recommend to everyone I know and will continue to insure my pets through this company for their entire lives.

Pets Best Insurance is great health insurance for your pet. It cost just as much for a pet to visit a vet as a person to visit a doctor. I can tell you I would be broke, if I didn't have this insurance. Its well worth the price. You can get reimbursed or paid to the vet. In this case it took a little longer to get the claim settled because they had an extensive amount of claims but, I still got mine within 10 day.

I initially purchased this insurance as it was one of the few that offered wellness coverage. Once my dog turned 7, I purchased a Senior package from my vet which was a bulk package for services. For two years Pets Best reimbursed me for the individual services they covered under this plan. I was still paying more out of pocket, however, I felt it was worth it. This year, however, Pets Best refused my claim for wellness services stating that I was receiving a discounted service so they wouldn't cover it. I mentioned they had covered it in the past. They stated that it was a mistake (for two straight years?) and that they would not cover it. I said that I wanted to drop the wellness off my policy since I wasn't going to be able to use it. They stated that it was over 3 months from my renewal and I would have to wait until next year. Now, my renewal was early June, I filed my claim late August, by the time they did their due diligence and contacted me, it was now over the 3 months and I would have to wait until next year. I had no reasonable expectation that they would not cover these services as they had covered them the past TWO years! They would not work with me to drop the coverage they would no longer honor and allow me to retain only the illness/accident insurance. They pushed the claim past the 3 months, I filed before that timeframe was up. So I had to cancel my whole policy as I was not going to pay a couple hundred dollars for a service I wasn't going to be able to use. I have never had a company so rigid and less devoted to customer service. I had been a solid customer making on-time monthly payments for 6+ years. I had no indication that they wouldn't honor my claims as they had in the past and they still wouldn't make an adjustment. I would never recommend this insurance company to anyone based on the way I was treated and how uncompromising they were when they were in the wrong.

Pets best may pay on time but in last four years my policy rate on my dog went from $57/mo -$128/mo -$169/mo to $212/ mo. Over last four years. For the same policy. Although they may start your rates low like other companies they raise them very quickly once your dog has an issue. I compared her rate to Trupanion. Which was $126/mo. Same breed age and location. Same deductible. Healthy Paws was $97/mo. Little higher deductible. These rates are $90+ / mo less. They have made it very difficult for me to do right by my dog. When I thought getting insurance was the responsible thing to do. Do not give them your business.

This company is everything an insurance company should be. I wish my people insurance company were as good!