They denied my claim and totally fucked us over. What’s the point of having insurance if they don’t uphold their end of the bargain? AVOID AT ALL COSTS! DO NOT WASTE YOUR MONEY WITH THESE THIEVES!

Coinsurance is the claim amount an insured must pay after meeting deductibles. This company applies your coinsurance to meeting your deductible. Haven't provided me with any detail as to where this calculation is explained in my policy. Wouldn't recommend.

So far not too impressed after switching from Figo. It took over two weeks to have any communication regarding a submitted claim and nearly three weeks for the claim to be processed. I have the top tier wellness package and they didn't cover the vaccines, which are clearly covered with the package. I emailed to ask why and only have received an email back asking me to leave a review, rather than answer my question. Not a good look.

Took 4 weeks to review a basic claim. I submitted all paperwork and records when I filed the claim. Definitely going to find a different company right away. 4 1/2 weeks and still haven't received my money from the claim.

Got fantastic care from Hebron Hospital. After spending over $900 on final bill, I filed the claim and after 4 weeks of no responses I get my payment of $126, and $15. Biggest rip off in the world. After paying $117 a month for over 2 years. CON ARTISTS.

One month into my policy some customer service representative cancelled our policy - despite taking our money and rejecting claims for our puppy. We chose the highest level of cover for her. Its not just about policy, its about how hard it is to manage your pets needs and your claims and this company is a disaster. Avoid this provider at all costs, make life easier for yourself.

The "30 Day" money back guarantee is a big fat lie. I signed up For Pet's Best on March 6. I decided not to keep it and called today, April 5 -- day 30 -- on my break at work to cancel it. I was told I would NOT be refunded because the cancelation date would be TOMORROW, day 31 and that I needed to call YESTERDAY -- day 29 -- to cancel, as the cancelation date would be today. WTF? I talked to someone YESTERDAY because I had questions, and she didn't correct me when I said I knew I needed to decide whether or not to keep the policy and tomorrow (today) was the last day to cancel and get a refund. I just went online to my account, and it says I have no pets and no active policies. Sure as F looks like my policy was canceled TODAY, day 30, not tomorrow as the customer service rep claimed. I'll be contesting the charge with the credit card company, filing a complaint with the BBB and the attorney general, and calling Pet's Best on my day off to inform them of them complaints I've filed and that I will warn clients at the dog training/daycare facility I work at to stay away from their company.

I thought this insurance was great, a really good option for coverage for the price and deductible. That was until my dog was newly diagnosed with periodontal disease. My vet made the first recommendations to have a teeth cleaning at almost 4 years old because we were doing good oral care. At that time I found some loose teeth when we were brushing and her gums were bleeding one day. My dog needed teeth extracted during her cleaning and Pets Best denied our claim even though I am technically covered for periodontal disease per my policy. they have a loophole to deny if they have a cleaning and periodontal disease is found and treated within 13 months of diagnosis. I had to pay $1800 out of pocket due to this denial. So if you choose this insurance and have a small dog, get regular teeth cleanings at exactly at 3 years and hope they don't find any periodontal disease because that will classify you as pre-existing and all future dental needs will be denied.

$59.00 out of $420.00 sad.....64.00 dollar a month for 38 months. $2432.00 so far.... I have the 90% plan. Deny this, Deny that. 90 % percent off each item to maximize their deductions, instead of the total. So they can profit off anything they deny. These are our Pets. Gone to Spot..... And I understand the $250.00 deductable.

Spoke with a woman who would not directly answer any of my questions. I asked how long until they cover a CURABLE pre existing condition such as a UTI for a cat which is a common thing some cats deal with and she went on and on and on about broken bones and all this other nonsense. I tried to steer her back to the original question several times and she just couldn’t stay on topic. I don’t know if she was on something or what her deal was but it was very weird. She didn’t want to give me a direct answer. I finally asked to speak with a supervisor. She put me on hold for several minutes and came back and said no one was available. Then she message the supervisor with my question, the supervisor just answered it directly. Imagine that. I asked a question and they just answered it. I told her thank you and that was the question I was trying to get an answer to. She said I should have told her that lol. I tried to explain how this can be frustrating and a little suspicious to a pet parent that’s trying to get info. I explained that it is as if she was working me a little. Like she was saying words without answering the question and talking in circles. I would ask a question and she would answer it as if I asked another question. Very sales pitchy. It was very bizarre to say the least. She then started raising her voice and talking over me so at that point I told her to have a nice day. If you are also curious, there is no amount of time after a cat gets a uti that that they will cover it. There is no curable condition time period like some companies (usually 12 months to 18 months). My cat has had one uti a year and a half ago (she is 2 years old) and if she were to get one at any point in the future it will not be covered. The woman told me not to worry about a uti and that it’s not a big deal which made me uncomfortable. I had to give her a break down of how expensive it actually is. There is the office visit, which is often a same day emergency visit which is more expensive because a uti can come on quickly, the urinalysis, and the medications. It’s expensive. Hundreds of dollars. She then asked why I’m so concerned about a uti, maybe my cat has kidney disease or something. I said no, she does not, I would just like to know what I am paying for coverage wise, what is covered, and what to expect. She then began her sales pitch again and didn’t respond to what I said. She was off on another roll. Very unproductive and unprofessional conversation to say the least. When companies act like this and you get that pit in your stomach, it is bad deal and you need to get off it. There was nothing good about whatever that was. Really scary these people are in charge of providing insurance for beloved pets.