Pets Best Pet Insurance Review
165 Customer Comments & Reviews - see all comments
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Pets Best Insurance Services, LLC is a Boise, Idaho-based pet insurance agency that covers dogs and cats for accidents and illnesses, and also routine care at additional cost.
The company was founded in 2005 and carries an A+ grade with the BBB. Pets Best specifically states that their mission is to end economic euthanasia of pets.
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Customer Comments
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Yeah, I was told by a women at Pets Best that they would not cover a cruciate injury for 6 months. This is an injury caused by a accident. I am a orthopedic nurse that works on a orthopedic floor. This should be under the accident clause. Its very obvious that people don't now what they are talking about. It is another way to rip off the public so they wont have to pay. My rating minus 0
2 People found this helpful.
I had Healthy Paws for about 3 years and decided to make a change at a friends advice because "Pets Best" was cheaper and appeared to have the same coverage except they pay for office visits which seemed like a real PLUS. I added a second dog a 2 year old rescue to the plan - I submitted a claim for an ear infection - took 3 emails and medical records and they denied the claim as a "pre-existing" condition - DOGS GET EAR INFECTIONS just like people. First chance I got I went back to Healthy Paws,
2 People found this helpful.
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Pets B
Support of Pets Best Pet Insurance (CPC)
Official Response
Support of Pets Best Pet Insurance (CPC)
Hi Jeannie, ear infections are covered as long as they are not chronic or ongoing prior to the policy. Claims are processed by reviewing your pet's medical records from your vet. If you disagree with the decision reached with these records, you are welcome to file an appeal with supporting documents.
Absolute trash company. Had a dog that ended up with an aural hamartoma. They denied it because they said it was linked to a previous ear infection months before. Even though he had an exam the day after I purchased the insurance, and a note from the veterinarian saying he didn't have an ear infection the day I purchased the insurance. They're looking for a way to deny claims, company is trash.
2 People found this helpful.
Pets B
Support of Pets Best Pet Insurance (CPC)
Official Response
Support of Pets Best Pet Insurance (CPC)
We are sorry to hear you are dissatisfied. Claims are processed for new issues, unrelated to conditions that originated prior to coverage. If you disagree with the claim decision reached with your vet records, you are welcome to file an appeal with supporting documents.
While I was in the process of meeting my deductible they were average in processing claims and being reasonable. But the moment my deductible was met they were impossible. They were asking for information that didn't exist and even when I and both vets were prompt with getting them the information they wanted, they closed the claim and I had to email and call three times to get them to reopen it. Then they denied the claim even though they had approved the exact same issue when I was still meeting my deductible and there was no imminent payout. Here is what unfolded.... April 2 - Claim sent and confirmation received from Pets Best April 9 - Apologies from PetsBest for the delay via... Read More
2 People found this helpful.
Pets B
Support of Pets Best Pet Insurance (CPC)
Official Response
Support of Pets Best Pet Insurance (CPC)
Hi, some claims require medical records for accurate processing and without we cannot process your claim. You can contact our team to discuss the information pertaining to your claim. We are sorry to hear you've had a negative experience.
Do not use Pet's BEst, huge waste of money and they continue to hike up the price 15-20% every year without notifying you. Their excuse is that the pet got a year older. Huge criminals
2 People found this helpful.
We have had Pets Best since 2013. Just recently we took our dog to the vet, because she was not feeling well. They did blood test, urine Analysis test. They found crystals in her. We had to go back and have and Ultrasound done on another visit. Pets Best really came through helping us pay for all of these test, after our deductible was met! Would highly recommend them.
2 People found this helpful.
Before you pay for any insurance policy, you may want to consider putting the premium and yearly deductible in a personal savings account for your pet to use when needed. Another important consideration is to find a pet insurance company that has no waiting period (or the shortest one you can find). PetsBest takes your premium and makes you wait 14 days for any illness and 3 days for accident. Unfortunately our 6 month old came down hurt/ill on the 8th day of purchasing the policy. Diagnosis was toxins which one may think was an accident as both the family vet a ER ruled out congenital problems with the liver and focused on household poisons. I had no problem with PetsBest denying... Read More
2 People found this helpful.
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Pets B
Support of Pets Best Pet Insurance (CPC)
Official Response
Support of Pets Best Pet Insurance (CPC)
Hello Andrea, we have some of the shortest waiting periods in the industry for injury, illness, and wellness. Waiting periods are set because pre-existing issues are not covered expenses. A diagnosis of a toxin is covered by our accident policies as long as there is a confirmed substance that caused the toxicity. However, medical records indicated the vet was not sure what was causing the symptoms. You have the option to file an appeal with supplemental records from your veterinarian to indicate this was in fact an accident as it occurred on day 4 of your policy inception date, which is after the accident waiting period ended but not before your illness waiting period ended. Unfortunately the pet insurance industry is not able to cover any testing or treatment of pre-existing conditions. To clarify, future injury or illness that is unrelated to this incident would still qualify for coverage as long as the records indicated there is no relation to a pre-existing issue. We will determine this by requesting records from your veterinarian directly as we did with this claim. We see you have cancelled your policy and are sorry to see you go. We wish you and Tiffany De Chocolat the best!
One year into this plan, very first claim filed, to find out that the medicated bath (part of the necessary treatment for my dog's skin condition) performed at the vet's office is not covered, because it's under "grooming". I am rather disappointed with this policy, and now I'm not even sure if I want to continue with this insurance or not.
2 People found this helpful.
I had Petsbest for 10 yrs. The monthly cost became prohibitive going from $156 per month to over $200 in one month. I had to constantly argue with them over their interpretation of vet bills and whether the doctor visits were follow ups or new conditions or continuing, whether they ere necessary. I had to raise my deductible to be able to pay the monthly bill and then argue regarding what their share of cost was. I cancelled them the month before my Toby passed away. If he had lived in still wouldn't have been able to afford them or be willing to deal with them
2 People found this helpful.
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Pets B
Support of Pets Best Pet Insurance (CPC)
Official Response
Support of Pets Best Pet Insurance (CPC)
Hi Kathleen, we value you as a member of Pets Best since 2009. You're correct that your rates can go up each year when your policy renews. In order for us to determine the adequate premium we need to maintain our services, we analyze claims data related to pet age, breed, geographic location, and factor in general inflation. Rates do not increase due to claim history. We are showing all of your claims filed for Toby were reimbursed per your policy limits. The only claim that was closed out was the claim submitted after you had cancelled Toby's coverage. We wish you and Toby the best!
I bought this insurance for my cats. Unfortunately,one of them needed emergency help. No one answered after one month. If I hadn't asked about the status, I wouldn't know that I had to inquire additional documents from the clinic in another country where I usually brought my cats for a check-up. We will see in future what decision the insurance company will make. Reading the reviews and looking at my experience with this insurance company, I understand that it provides very poor service. They take money easily but don't want to do their job properly.
UPD: After 40+ days, my application was reviewed, so I take my words back. Insurance company works honestly, but very slowly
1 People found this helpful.
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