Pets Best | Pet Insurance Review

If I could leave zero stars that would be my review. After waiting a MONTH past my pets vet visit I was notified my entire “illness claim” was denied. The insurance company categorized my pets issue as “allergies” even though it was very clearly noted on the vets visit notes that my dog had a severe ear infection. My pet had a similar issue over 2 YEARS ago and I’m assuming they’re using that information to claim this is a “preexisting condition” even though they list those as occurring within the past 12 months on their explanation of benefits site. I’ll be canceling my policy for both pets immediately and would caution anyone not to waste their time or money with this company. In addition to horrible service their customer service is also well below subpar. It takes an hour to get a human being on the phone (when you can) and you’re then told “they’re trying to hire more people, are short staffed, and this is why their service is so slow and takes over a month to get any resolution”. This company is a complete and total waste of your time and money.

I’ve had a really good experience w/ PetsBest. I highly recommend it to all my friends & dog training clients. Personally, I can cover the cost of regular vet bills, but the skyrocketing prices of emergency vet care can be catastrophic. I’ve come to realize that pet insurance is now a necessity to financially protect pets during unexpected emergencies Its can literally be the difference between life & death. I personally chose a high deductible w/ low co-pay. I had to use Pets Best twice for emergency surgeries within the first year. I am extremely thankful for Pets Best. My 3 yr old lab would likely not be here today w/out it. Submitting the bills was super easy. I just took a photo of the itemized bill stating paid in full, and submit it through the app. Both times Pets Best covered the full 90% of everything I submitted. The only reason I only gave 4 out of 5 stars is 1) The pet owner has to pay the full bill to the vet at time of service (thank goodness for CareCredit) 2) The claim sits for several weeks (w/ no movement on the account) before Best Pet begins to investigate & process the claim. That stage takes a week or more. Once the claim as been approved, it makes another 5-7 business days for the money to be deposited into owners account. It leaves the pet owner potentially paying a hefty credit card interest payment and stressing for weeks wondering if the claim will be paid or denied. Despite all that, I still highly recommend Pets Best. In the end, Pet’s Best has always come through for me & my dogs.

I currently have an open BBB claim against Pets Best Pet Health Insurance. My claim took over three weeks to be paid and was then paid incorrectly and lab work fecal testing yearly exam with vaccines was applied to my deductible! I have BestWellness Routine Care with No ZERO Deductible! They are trying to put it all under a sick pet- who gives vaccines to a sick pet? I called, spoke with Richard he informed me it would be 15-40 days before it would be looked at. I have dealt with other Pet Insurance before and never had these issues.

It takes FOREVER for a claim to process!

Our accident only ins plan covered basically everything BUT a 'cruciate ligament tear' which is basically the same as a torn ACL in humans. So b/c Beagles are more prone based on their stature, weight issues, etc etc blah blah blah... we had to pay out $4800/knee?!?!?!? I signed up for ins immediately after taking ownership of our pup & NEVER missed a darn monthly pymt EVERRR!! Typical insurance game... you need or responsible with taking out a policy for the "what-ifs" & then when those do happen in life there's ALWAYS some reason or excuse as to why you're NOT covered🙄 Ridiculous!