Pets Best | Pet Insurance Review

we found out our dog had a luxating patella on an annual check-up. He is two years old. There was no sign of this on any prior visits. Our vet told us that it occurred from trauma. We sent in the claim with every record required. They automatically ruled it as congenital. We ended up speaking with a rep. from pets best several times to better understand how it could be congenital when it the vet clearly ruled it as happening from trauma, as well as his records showing no sign of it prior to that date. This took forever. They wanted more and more information- we even had the vet right to them. We decided to appeal the decision as recommended by a rep. from pets best. We had to get x-rays of both legs for them which is very costly! They promised us that we would find out their decision by a certain date. However, a week after said date we still did not here anything. So we began having to consistently call them again. This has been going on since June. We just received the verdict and they denied it again stating that it is congenital. They proceeded to tell us that we should process a claim after has had the surgery and we have paid for it! Unbelieveable!Not only this incident but every time I send a claim in for any shots, check-ups, etc. they will not compensate us. Basically we pay every month for nothing. When we joined we recruited many of our friends with pets to do the same. Since this has all happened, they have cancelled their policies and we will do the same. Our vet has also told us that he also hears very negative comments about pets best from clients. I DO NOT RECOMMEND PETS BEST!!!

I took out policies for our six cats, and I thought I was signing them up with a company that would pay on eligible claims. I've learned that this is not the case. One of our cats got a urinary tract infection, and then she had a life threatening violent reaction to the antibiotic I gave her. We rushed her to the emergency vet clinic which was over 45 miles away at 1 a.m., all the while praying that she would hang in there until we got there. It was a very frightening experience and I was thankful that I had signed her up for insurance a few months earlier so that the expense was one less thing I needed to worry about. I was confident that she would be covered, after all, the Pets Best web site states that once a urinary infection has been cured, it is no longer considered a pre-existing condition. Her last infection was over 6 months ago, and after being treated for it, she had a culture done that showed she had been cured. So imagine my surprise and anger when Pets Best denied my claim, stating that they considered it a pre-existing condition! I couldn't believe it!!! And then they ignored the first four emails I sent to them when I asked for an explanation. I will be filing a complaint with the Better Business Bureau tomorrow.

I have been very happy with Pets Best for the last 3 years. They were able to cover my 10 year old Akita for a low premium (many plans will not accept a senior pet) and I never had any trouble getting timely reimbursements. I now have 2 Akita puppies under the plan and am quite thankful as I am having to bring both of them to the vet today.

Pets Best has paid two claims for my dog. One was an emergency and they paid over $3000. The other was minor but again no problem with the coverage. In comparing plans, they seem to be the most comprehensive.

We have 4 pets insured through Pets Best (since March). We recently put in a claim for our cat. I was afraid that Pets Best would not pay a claim because there was no definitive diagnosis after I submitted the first claim. Lots of tests were done and our bill was over $600. The vet wasn't sure if she had a bladder infection or possibly a bladder tumor (ultrasound showed strange findings). We knew we would continue to have follow up appts with our vet. We submitted our claim and Pets Best covered it. They did say that in order for them to accept another claim, they needed a definitive diagnosis. I appreciate that they still paid the first claim. I can understand where they are coming from. Needless to say, we did get a diagnosis. It ended up being an infection and they did pay the second claim as well. The only thing I never understood is that the vet gave our cat an injection for the infection and Pets Best didn't cover it. It was only $20.00 and I'm not sure why it wasn't covered...everything else was.