Pets Best | Pet Insurance Review

When my puppy was injured and we took her to the emergency vet I had my reimbursement check back within 10 days - but I'm amazed that for her spay surgery last Monday, and turning in her claim on Tuesday, I had the check by Saturday. I also appreciated that I received a personal phone call from a customer service rep to let me know that I would be getting a premium reduction for an error that was made and it was just sent back to my credit card. I believe I will be with PetsBest for the rest of my pets lives!

Fortunately to date we have only used the wellness care part of the policy that covers our two Lab Retrievers. Our male Lab is a certified Service Dog and our female Lab will shortly get her certification. As both Labs go in for physicals twice a year with a full exam (blood work ups, etc) at least once a year, the policy has helped us control the cost of Vet services. Also it is comforting to know that should an emergency occur we can provide treatment for our Labs without worrying about the cost of the treatment.As both my wife and I are disabled and depend on our Labs to help us get around, this is the least we can do to insure that the best possible care is available to them if needed.

We bought pet insurance for our dog, Dakota last year. I chose Pets Best after much online research. We had to use the policy for the first time in Novemeber after we discovered a growth on her back leg. She had surgery to remove the growth and a biopsy came back non-cancerous...thank God! I submitted the bill, receipts and claim form and within several days, a check arrived in the mail. No hassle, no fuss, no trying to deny my claim, etc...It made the whole process a bit easier and less stressful for us. I have already recommended Pets Best to a friend that just adopted a dog. Thank you for delivering on your promise!!

The very maladies that seem most prevalent in social pets are the very things that this insurance doesn't cover - parasites and their treatment. And unfortunately, the wording of the policy doesn't make that very clear. Just like children, our pets don't ask their animal friends if they have a health issue before playing together. There are toooooo many exclusions of treatment, and most are not clearly defined as such. Additionally, the policy says that ALL FDA approved drugs are covered.Then they backpedal and tell you that even though it's an FDA approved drug, if it is for parasites, it ISN'T covered. If you have a policy in effect for one pet and add another, there is NOT a significant reduction for multiple pets and THERE IS A WAITING PERIOD FOR THE NEW PET'S COVERAGE, even though an online check indicated insurance was active for new pet. NONE of the new pet shots, checkups, parasite checks and treatment were covered. And as a result of the new pet having common parasites, our "old" pet (18 months old) had to be treated for parasites and NONE OF THIS WAS COVERED. This needs attention. Parasites are contracted from feces and contact with other animals who are affected. We pay as much per month for two pets as we pay in health insurance premiums for one of us and we have far fewer exclusions. If we get a common cold or flu, we have coverage. If our pets get a common parasite infection, they DO NOT have coverage. This insurance is not a great purchase, but better than nothing. For the money, the whole exclusion concept needs to be reworked...

I considered Pets Best because I adopted an 8 year old cat and they seemed to be one of the best insurance companies for an older cat. My cat is now 11 and has developed a few age related issues. I have been able to do everything my vet has suggested regarding diagnoses, treatment and follow up with out a concern because of the consistancy, timeliness, and efficiency of Pets Best. I know what is covered, I know they will pay 80% and I know it will be processed quickly. No quess work. The final selling point for me came last week. My cat had several vet visits in a very short period of time and I got a bit overwhelmed and did not submit my claim forms as I usually do. Just before the 6 month time limit, I submited all of the paper work for these several claims worried that there might be some problems because they were so old, but all were processed with no problems in the same consistent manner as those claims that were submited immediately. I would definately recommend Pets Best and I would continue to use Pets Best for any future pets I may have. The clarity of the policy, the consistancy of the responses, and the ease of submitting a claim give great peace of mind in knowing the money isn't the driver in making pet health care decisions.