Pets Best | Pet Insurance Review

I researched and read reviews for many many canine insurance plans. I didn't want money to dictate any decisions I might need to make should the unforeseen happen. They, unlike many companies, also included alternative therapies like acupuncture, which I thought would come in handy during later years with managing arthritis and such. I was planning for his future, and never dreamed I would use it end up needing it just 2 years in. My little man is now four and a half years old (Lab) and ended up having a High Velocity Disc Herniation, most likely from Intervertebral Disc Disease, just two weeks ago now. It was a scary time, especially in the beginning when no one really knew what was going on. X-Rays weren't showing anything much useful, and an MRI was recommended as the most likely method to help accurately diagnose. With all the pressure on a dog's spinal chord these herniations cause, a quick analysis must be made to avoid permanent damage. Many times surgery is needed, and the chances of a near full recovery are exponentially greater when the surgery is done within 36 hours. Fortunately, I didn't have to weigh my finances against giving my best friend his greatest chance at being a happy normal dog for years to come. Perhaps more fortunately, surgery was not needed, but without the MRIs we would not have known. It's two weeks later, and he's still being boarded at an animal in-patient rehab facility, but he is making remarkable progress. It has been 8

No hassle claims processing and quick reimbursement. Customer service is excellent. Rates are reasonable. I have referred them to several friends.

Called several times--needed to file first claim. Always and only get voicemail. No human! Callback was within 2 days, but still a hassle. Filed 2 claims--one for my dog that died of cancer. That claim was paid. Other claim for bacterial infection which caused diarrhea and required meds and blood tests--nothing was paid on the claim. Very unhappy. Customer service told me didn't need any info from the vet when submitting my claims, but then both times they requested info directly from my vet, thereby delaying my claim. Really, if you are going to insist on vet records, why not insist on them at the time the claim gets filed? So much unnecessary work for everyone, and then to deny the very basics of claims--infection! I had three dogs enrolled on this plan, but now I think I am wasting my time and money.

My claims have been denied and I have lost hundreds of dollars. A specialist made a mistake on an onset date of my dog's allergies but he didn't respond in time so not only were his claims denied, but every allergy claim ever made on this dog will be denied. It doesn't matter that the vet said he made an error and the onset date was NOT before the policy. They will never pay an allergy claim. They even denied a yeast ear infection stating it was an allergy...

At the present time I am very disappointed in the service fromn Pets Best. For one thing ...do not like to leave messages and think a live person to talk to would be an obligation of the company for their customers. Would like to discuss the decision of claim.