Pets Best | Pet Insurance Review

We got this insurance to protect our 3 year old lab because the cost was less and seemed like better coverage than what we had. After 5 months of payments at Pet's Best's top level plan, our dog tore her cruciate and couldn't walk. We took her to the local vet and had surgery done to fix her leg. Two months later (8 months total with insurance) we were denied reimbursement on the $8,000 we spent out of pocket because this very specific procedure is not covered until after 6 months. Yes, for 6 months you need to treat your pet like bubble boy (girl) and pray nothing serious happens. Also, as other reviewers have noted, the processing takes so long that we have now paid for 8 months of insurance that refuses to pay for anything because now it is all considered pre-existing. So the initial exam, procedure, and followups totaling around $10,000 are all out of pocket and not 1 cent has been reimbursed. Either make the deductible higher until 6 months or lock people in for extended terms if medical bills are high so the company can get their money back. They lost be as a customer for the life of my pet and I was dedicated to my old insurance for 18 years. I wish I never left because although I would have paid half of what it has cost me so far, at least it's something. Now I have all this debt on a 0% APR credit card so I can try to save some money but I know others may not be as fortunate. So don't bother using this company if your pet is old or has a history of anything. If you have a puppy with no history, you may have a chance but they may say your puppy's condition is pre-exieting from when they were in the womb.

This is the first time I’ve had pet insurance so I wasn’t sure what to expect. I liked the various options for different plans at Pets Best. I recently had to make a claim, and the process was very straightforward and easy to navigate. Very pleased that they paid almost all of the claim.

I have had 4 dogs insured with PetsBest for several years. I have nothing but positive interactions with them. Fair premiums, fair claim payments and courteous representatives make my experiences positive.

Filed my first claim a few weeks ago, it was very easy to do! Payment/EOB were sent in a timely fashion and I was updated via email a few times that the claim was processing etc.

The wait time for decisions regarding claims including initial reviews and appeals is way too long. The cost of coverage has gone up considerably and the wellness coverage is not worth the expense.