Pets Best | Pet Insurance Review

I have had Pet Best Insurance since January 18, 2010. My dog, Donald tore his ACL in his rear leg while I was volunteering at a Best Friends Big Adoption Event on November 7, 2010. Their policy is which states "in most cases the acl tear is not paid until a year into your policy. They denied my claim two months before my year. They did not even offer to pay a portion of it. I've been paying for nothing! Your customer service rep was rude to where it was hard for me to stay calm. Donald is my family and we were both treated like dirt. My vet even recommended Pet Best to me. I will not recommend Pet Best to my worst enemy. Matter of fact I will write to the LA Times and to the TV news to have them investigate all pet insurances starting with Pet Best. I will also let everyone I meet at all the adoptions I volunteer with and all the dog shows how terrible you will be treated if you get a plan with them. I will tell anyone who listens to me how bad you are. If you do not want to pay any ACL's the first year of the policy ......get rid of the "in most cases" phrase. Donald is my fourth cairn and ACL's are not common with cairns.

I filed a claim for my Great Dane, 2 weeks later the claim was processed and a check was sent to my house! Since this is my first dealings with a pet insurance company, i was very skeptical. I thought for sure they would come up with something so that my claim wouldnt be covered ($6,500.00 claim). Not the case at all!! They were prompt with my reimbursement. I feel very thankful that my Dane has recovered and that Pets Best made this stressful time much easier for us.

I have had Pets Best Insurance for my two pets for a year and a half before I ever filed a claim. In September 2010, however, I lost my beloved pet Trixie Belle. She died from unknown trauma and within a couple of days of going to the hospital--but not before a battery of tests amounting to more than $1,200. Even though it took me a few weeks, I did eventually call the insurance to let them know. They were very sympathetic and immediately canceled the insurance for Trixie Belle and refunded the remainder of the premium. They also emailed me a claim form to assist me in submitting my claim. Shortly, thereafter, they also sent me a condolences card, noting that they made a contribution in memory of Trixie—something that brought tears to my eyes. Their customer service is just phenomenal. I was so devastated that it took me seven weeks to submit my insurance claim, but only ten days for PetsBest, to send me a check. The payout was exactly eighty percent of the submitted claim minus the copay and without any other reductions. I really appreciated that they did not give me problems or ask unnecessary questions. PetsBest made this difficult time much easier for me by treating me with dignity and respect. I would recommend them without hesitation.

I've had my companion animals insured by other companies; however, they, like many human insurers use a schedule of fees and payments. Pets Best does not. They offer a flat rate of 80 percent of balance, after deductible (in our case $100.00) and a 20 percent co-payment. No schedule of fees, no denials unless for preexisting condition at time of enrollment. A recent, sort of miraculous example of their promptness occurred when I submitted a bill on Thursday night for nearly $700 for chemotherapy for my one of my cats. The very next day I received an email stating the claim had been processed and I'd have the reimbursement deposited to my account the next business day (the following Monday). That's a total, including the weekend, of less than four days to get payment. Monday morning showed a Pets Best deposit of nearly $600 in my bank account. Got to say my relationship with this insurer is the best. Now if they can only get the veterinarians to accept direct payment in full for their services... What a miracle that would be.

I have had this policy on my now 20 year old cat for about 6 years now. This is the first year that I have had the occasion to use it. I actually called them to ask about coverage about a recommended procedure, but their representative was very helpful alerting me to the fact that her last visit that was covered. This was a nice surprise. Recently, my kitty had a number of very serious issues. When I agreed to pay the emergency hospital about $3000 for her weekend treatment, I did so with great fear. I wondered if now I would find out the worst truth about my policy. Thankfully, there were no loopholes and no problems getting paid. They have continued to pay a number of high dollar amount bills. I am very grateful that I found this company and bought this policy so many years ago.