Pets Best | Pet Insurance Review

I insured my cat last year and I am so glad I did. They have been timely on claims and very helpful. They are very upfront with what their policies cover and don't cover. A lot of people that have issues are not reading their policy very carefully. I thought my policy rates were going to increase a lot since i have used them for all my cats inhalers which are expensive and it only went up 0.63 a month so I know they don't increase your rates based on the number of claims filed. I will recommend them to everyone and I will always insure all my future pets with them.

When I obtained Best Pet Insurance they were top rated by Consumer Reports - if you do research you will see that their rating has dropped significantly. My first claim was handled quickly and efficiently and my reimbursement claim was deposited in my account within two working days. My shar pei suffers from chronic allergy related ear infections. Otis externa is one of the most frequent claims pet insurance companies process. One year later, she had another episode requiring repeated trips to the vet. Each time Pets Best claimed they did not receive the paperwork - although it is an online process, each time there was over a 10 day delay in reimbursing my account (they still advertise two days), each time they rejected part of my claim as a "grooming expense". I appealed it was was reimbursed two out of three times.I then received a letter that stated they would no longer cover conditions "preventable by grooming". After being a client for almost three years and having premiums deducted directly from my checking account I received another letter stating that they were now going to charge me another $3 a month for a payment processing fee.

We have had Pets Best for over a year and have been happy with it until recently. After 2 claims were denied (one for ear infection and one for a hotspot), I called Pets Best to find out what's going on. Turned out that 8 months ago I took my dog to the vet to have his anal glands expressed as he was licking it excessively (no surprise there). Now I understand that anal glands were not covered and I was fine with that, however, what came out of this specific claim was that Pets Best determined that because my dog was licking his anal glands and was prescribed a cream to stop the irritation (or itching) by the vet, he was deemed to have "allergies" which Pets Best consider as a "preexisting condition". My dog has NEVER been treated for allergies ever by anyone or showed signs of allergies and now they are claiming ear infection, hotspots are all stemmed from allergies. I'm a healthcare provider myself, and I've never diagnosed a patient with an irritation on his arm as you-are-doomed-forever-allergies and just because a patient had bronchitis does not mean he has asthma, etc. I think it's unethical for them to claim all of these issues are related to allergies. The vet was visited for anal sacculitis for heaven's sake.

One dog with ACL surgery and 2 cats - one with basal cell and squamous cell carcinoma and resultant tail and toe amputations. The company is very responsive and immediately processes claims and payments. I just wish I had had such a caring and competent insurance company for my serious illnesses!

My eleven year old Pit Bull/Rhodesian Ridgeback mixed, male dog was diagnosed with heart disease last year; a diagnosis I never expected! His condition requires daily medication for the rest of his life and very expensive tests 2 times a year. Our insurance coverage with Pet's Best makes it possible for him to receive these on-going treatments. Not all insurance companies will cover conditions that are ongoing like this one, much less cover a pet of Bosco's age. Buying this insurance for Bosco was one of the smartest decisions I made!