Pets Best Pet Health Insurance 4+

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.

I hate this app. My vet emails me receipts, so it should be a simple matter of saving the receipt and uploading it to the app on my phone. However, probably at least 85% of the time when I try to open this app, it doesn’t work. Either it won’t open at all, meaning it just spins at the home page and won’t even show me my pets, or the submit claim function simply does not work. I can locate the pdf file on my phone and hit upload and the app just shows the spinning “waiting” icon forever without ever actually uploading it.

I am so frustrated and tired of having to move to my laptop to file claims (or having to sign in to the actual website using my phone—why bother with the app?). My phone OS and the app are always up to date, and I’ve had the same problem for months. This is literally the most useless app I’ve ever had.

The insurance is fine, I guess, but be prepared to spend a fortune on increased premiums if you ever file an emergency claim. One of my cats just had a hospital stay that cost $5k. The company reimbursed me for the full 80%, but they just nearly doubled my total premiums for three cats. DOUBLED. For one 2-day hospital stay for an urgent condition. Just be aware that that’s a thing they’ll do if you ever end up using the emergency illness/injury coverage.

I am writing this review in complete shock of what just happened. My dog had a catastrophic sudden illness where his immune system attacked his red blood cells. I sat in the vet’s office in agony of whether or not to trust this insurance and commit to over $5,000 in treatment. I woke up this morning to a small Christmas miracle - a $4,249 reimbursement!!!! I only had the insurance since February of this year, I had only taken him to the vet three times in the 8 years I had him. I was sure they were going to find a million excuses of why not to pay, including a complete lack of medical records. However, I didn’t have a single problem. I almost never write reviews and I’m still hesitant to trust that this company will always be this reliable due to the fact they won’t affirm anything about payments for services before hand. But wow! I’m so thankful this holiday season for Pet’s Best!!!!