Pets Best Pet Health Insurance

They will not help you most of the time. Yes sometimes. But….They do all they can to skate out of paying. The best thing you can do is tell them as little as possible (though they use the vet records against you, not for you).. because if you are specific and mention your dog stubbed its toe once ten years ago they will use that as prior existing condition to their nose bleed. I joke slightly there but seriously, my dog developed a condition a month and a half to two months after getting the insurance coverage and they took an unrelated issue from a month before the policy and from her early age and claimed it made it prior existing. They were and are ENTIRELY unrelated. My vet says so too. This affects me and my family monetarily negatively and the insurance company (maintaining their immoral standards) will not help. Now we are stuck in appeals and refiling and it’s been months now. Please. I beg you all. Please find a different company. Please. I’d love to give more specifics but can’t here. But I’m gonna be fighting and appealing this and refiling over and over and they’ll never budge. They’re too big to care about your pet. Find any other company. Please.

So, I’m a long-time pet owner and have had several pet insurance companies. I like to try different ones based on coverage and reviews, and PetsBest came up as well-reviewed and a good match for the young cats we were adopting. The first well-kitty claim went well (settled quickly, though payment was slow), then the second claim everything fell apart. PetsBest took the entire 30 days to settle a simple conjunctivitis claim and then another 10 days to pay the claim. I realize these time parameters are allowed according to the policy, but it’s the same with all other policies and I’ve never experienced such lags with claims handling and payments. I’m already established now with PB, so I’ll hang in there, but I probably would go back to Embrace Insurance if I have the opportunity in the future. Regarding the App, I don’t know what’s up with the UI, but it only works about 10% of the time. It only give the “page loading” bouncing dots when I try to access claims or any of my account information. I tried to make a payment today and the option isn’t even available. I’m rocking the newest iPhone (updated with the current iOS) so it’s not a hardware issue. The App needs serious work, and paired with the shaky claims experience (so far), I’d tell folks to keep looking for a different company.

Pets best covered my dogs brain tumor surgery and radiation, over 15k worth of treatment. You do wait a little while, 2-3 weeks, while they process the claim and have to pay up front, but that’s expected. Nothing but positive things to say. There are certain things they don’t cover and you have to meet your deductible before they begin to cover expenses, but again these are listed in the documents when you sign up. As far as the app goes, using the website is better, but the app is convenient at times. Highly recommend Pets Best based off my experience with the company. Healthcare in general and knowing what is covered and what isn’t covered and what documents to submit for claims processing can be frustrating and time consuming, but I don’t necessarily believe this is pets best fault. I would advise you keep all your receipts and after visit summaries in digital form and properly store them for easy retrieval.