Claims are processed very slow and the monthly charge is way too much

First of all you can't get essential wellness unless you take the accident policy. The cost of the insurance went up considerably for my one dog which I think was not so great. I had my dogs yearlies done before the end of the year thinking they were covered and they were not. I should have waited until now to do them.

Stay Away!! I had pets best when my prior dog had cancer this way 1.5 years ago they were great. I adopted another dog who was found to have a heart murmur which just developed. I had tests etc... performed that cost close to 2k as under this garbage policy I got zero back. I called PB as the operator indicated she wanted to help, the help was getting this policy cancelled! Thankfully as my next premium was due in two days. They are quick to take your money and deny you on claims......I am going elsewhere. For those of you who are going to proceed with them be extremely cautious!!!!!!!

I have a healthy puppy. I have purchased the top tier insurance with pets best. It is AWFUL!! Everything is denied and if it's not denied, it's covered very minimally. I pay a lot monthly to have next to nothing covered. Being a puppy, he has eaten a few things that have given him parasites at different times in the last 18 months. Each incident has been completely unrelated to the last yet I am denied every time and told it is because he already had parasites when I adopted him so it's now considered an existing condition. What!? It is not the same infection. Good grief! I will be canceling my pets best insurance!

As a former Petsbest customer, I strongly advise other pet owners to steer clear of this insurance provider. My two-year experience with them was nothing short of frustrating and disappointing. Their definition of "pre-existing" condition is so broad that it will be very difficult for you to get reimbursement. The diarrhea-related claim I submitted took 5 months to process, and at the end I got an email saying my claim was rejected because they did not receive necessary medical information from my vet, while I feel they could at least inform me about this so I could contact my vet for the needed info. I then called to cancel the policy, but the representative of course tried to keep me on the policy and said they could re-open the claim for me. This time after two additional months, my claim was denied again, because it was a "pre-existing" condition as it had happened once before, when my puppy was 2 months old. As such, I was told all future GI-related issues will be considered preexisting condition and will not qualify for coverage. I feel that is very unreasonable, because a two-months old puppy just transitioned out of the breeder's home to me, the diarrhea could be caused by entirely different reasons, such as changing kibbles, environment. And the medical record supported this because my doctor didn't find anything wrong at the time, no parasite or virus after a panel check. The representative I spoke to on the phone, Richard, was also very rude and impatient when explaining the outcome to me. After faithfully paying premiums for two years, I have nothing to show for it. Petsbest's lengthy claim processing times, questionable denial practices, and subpar customer service make them an unreliable choice for protecting your beloved pets. Save yourself the headache and look elsewhere for pet insurance.

They sure don't tell you they're going to keep all of your money for the deductible. There really is no reimbursement it's a crock.

As a former Petsbest customer, I strongly advise other pet owners to steer clear of this insurance provider. My two-year experience with them was nothing short of frustrating and disappointing. Their definition of "pre-existing" condition is so broad that it will be very difficult for you to get reimbursement. The diarrhea-related claim I submitted took 5 months to process, and at the end I got an email saying my claim was rejected because they did not receive necessary medical information from my vet, while I feel they could at least inform me about this so I could contact my vet for the needed info. I then called to cancel the policy, but the representative of course tried to keep me on the policy and said they could re-open the claim for me. This time after two additional months, my claim was denied again, because it was a "pre-existing" condition as it had happened once before, when my puppy was 2 months old. As such, I was told all future GI-related issues will be considered preexisting condition and will not qualify for coverage. I feel that is very unreasonable, because a two-months old puppy just transitioned out of the breeder's home to me, the diarrhea could be caused by entirely different reasons, such as changing kibbles, environment. And the medical record supported this because my doctor didn't find anything wrong at the time, no parasite or virus after a panel check. The representative I spoke to on the phone, Richard, was also very rude and impatient when explaining the outcome to me. After faithfully paying premiums for two years, I have nothing to show for it. Petsbest's lengthy claim processing times, questionable denial practices, and subpar customer service make them an unreliable choice for protecting your beloved pets. Save yourself the headache and look elsewhere for pet insurance.

Denying claims that should be covered, I am wasting my time with a 2nd appeal

This company skirts over the fact that your deductible is used in an untypical fashion. For a $1300 bill, they only covered $49. My deductible is $1000 and I pay 20% of the bill that’s covered. The issue is that they calculate the 80% they pay first, put your deductible towards that, and then reimburse so it’s a much smaller reimbursement than typical insurance would do. I’ll be switching back to Embrace even though my premium will be a little higher.

On a $400 claim, Pets Best denied all but $60 saying "wellness maximum benefit exceeded." These were claims for January - when did I exceed my annual maximum benefit for the year? Also, it doesn't appear the unpaid expenses were even credited toward my annual deductible - what a rip-off.