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Pets Best Insurance Reviews

4.3 Rating 27,926 Reviews
80 %
of reviewers recommend Pets Best Insurance
4.3
Based on 27,926 reviews
Shipping & Delivery
Delivery Methods
Postal Service
Average Delivery Time
Next Day
Documents Delivered On-time
Greater than 87%
Customer Service
Communication Channels
Telephone, Email, Live Chat
Queries Resolved In
Under An Hour
Customer Service
4.4 out of 5
Cancellations & Refunds
Cancellation Process
Very Easy
Read Pets Best Insurance Reviews

About Pets Best Insurance:

At Pets Best, our mission is to end economic euthanasia by helping to ensure pet owners are financially prepared when their pets need unexpected veterinary care. We strive to give pet owners peace of mind by taking the financial worry out of owning a pet, so you can make the best decisions for your dog or cat.

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Phone:

1-877-738-7237

Anonymous
Anonymous  // 01/01/2019
I was told I could cancel the wellness plan after 6 months. When I called in they said I had to wait a full year.
Helpful Report
Posted 3 years ago
Hi Rob, thanks for reaching out to us. Our wellness endorsements are a set schedule of benefits that are not subject to a deductible or co-pay. Each line item on the schedule is the maximum the policy will pay for that line item for your pet in a policy year. You can find the wellness schedule under Documents and Forms in your account on our website. Unfortunately, Policyholders are not able to change or remove their wellness endorsement in the middle of their policy year. Policyholders can add, change or remove the wellness endorsement within 30 days prior to their renewal for the effective date of their renewal by logging into their account on our website and clicking on Benefits underneath their pet’s name, or by contacting our Customer Care Team. You can contact our Customer Care Team by calling (877) 738-7237 or by logging into our website www.petsbest.com and clicking on the blue speaking bubbles to chat with an Agent. Our hours are Monday through Friday from 6:00 a.m. to 7:00 p.m. MDT and Saturday from 6:00 a.m. to 2:00 p.m. MDT. We look forward to hearing from you if we can be of further assistance and hope you have a great rest of your day. – PF
Posted 3 years ago
I have had them for a year. the first time i made a claim it all went well. they covered what they said they would and payment was quick. today they lost me as a customer. i took my pet in for an annual visit on may 31 thinking that benefits are per calendar year. well i get my claim back and they hardly covered anything. turns out they go off of the start date of your policy. my policy starts early june. i was just a 2 weeks or less shy of the annual mark. i asked if they would make an exception since it was an honest mistake. they would not even budge, they did not care. so i closed my account. that is horrible customer service and to not even be willing to work with your customers is just disgusting.
Helpful Report
Posted 3 years ago
Hi Christopher, thank you for reaching out to us. We’re sad to hear you will be closing your pet’s policy. Our wellness endorsements are a set schedule of benefits that are not subject to a deductible or co-pay. Each line item on the schedule is the maximum the policy will pay for that line item for your pet in a policy year. All our policies renew on a policy year, not a calendar year and all claims are processed off of the date of service that you went to your veterinarian. Unfortunately, we are not able to make any exceptions. You can find the wellness schedule under Documents and Forms in your account on our website. We’d be happy to go over your claims and coverage with you. You can contact our Customer Care Team by calling (877) 738-7237 or by logging into our website www.petsbest.com and clicking on the blue speaking bubbles to chat with an Agent. Our hours are Monday through Friday from 6:00 a.m. to 7:00 p.m. MDT and Saturday from 6:00 a.m. to 2:00 p.m. MDT. We look forward to hearing from you if we can be of further assistance and hope you have a great rest of your day. – PF
Posted 3 years ago
To munch time to take claims
Helpful Report
Posted 3 years ago
Hi Javier, thank you for reaching out to us. Rest assured, your claim processing time is a top priority for us, as we are continually focused on enhancing our efficiency and reducing the time it takes to process claims. Claims are processed in the order they are received. Medical claims are processed within 40 days and wellness claims within 20 days currently. However, if there is a wellness claim with medical treatment on the invoice, the wellness claim will be held to the medical claim processing time as we must process the invoice in its entirety for both. We apologize for any inconvenience this has caused and thank you for your patience. We hope you have a great rest of your day. – PF
Posted 3 years ago
1) Lost claims 2 times (same claims) that were sent certified and the certified card indicated " delivered to front desk" I had to send 3rd time also certified, then denied claims "duplicate claim" 2) Denied claim "old injury not covered" The claim was for a NEW injury to "Front Left Leg" NOT to the rear legs that had TPLO surgery and not covered. I had to appeal the claim, circled "FRONT LEFT LEG" and as of yesterday - 2 months later - was finally approved. 30 Leave messages to have a return call on the above issues - never received a return call. WORST Pet insurance ever. I now have a very good pet insurance.
Helpful Report
Posted 3 years ago
Hi Helen, thanks for your time and feedback. We apologize for any frustration as it sounds like you haven’t had a very good experience. This past year we moved our mailing address, which might have caused some of the issues with mailing your claims to us. We always recommend submitting claims through our app or our website, or you can email a picture of the itemized invoice showing proof of payment to claims@petsbest.com. When you receive an Accident and Illness claim Explanation of Benefits from us, if any of the processing went toward the co-pay or deductible, that means the claimed condition was coverable. If a claim is denied or ineligible for coverage the amount will be in the ineligible column, and the Explanation section will show why it was denied. Keep in mind all Accident and Illness policies have a Policyholder chosen per pet co-pay and deductible that must be met before reimbursing on eligible claims. If we can be of further assistance, you can contact our Customer Care Team by calling (877) 738-7237 or by logging into our website www.petsbest.com and clicking on the blue speaking bubbles to chat with an Agent. Our hours are Monday through Friday from 6:00 a.m. to 7:00 p.m. MDT and Saturday from 6:00 a.m. to 2:00 p.m. MDT. We look forward to hearing from you if we can be of further assistance and hope you have a great rest of your day. – PF
Posted 3 years ago
Worst Insurance Ever Will not be renewing in September Absolute joke and rip off You pay for nothing and question everything
Helpful Report
Posted 3 years ago
I had a bill for dental work for 1500.00+ and not one penny was covered
Helpful Report
Posted 3 years ago
Hi Lois, thank you for reaching out to us. Our BestWellness endorsement is the only place where we offer benefit for a pet’s Teeth Cleaning. If a Policyholder subscribes to EssentialWellness or doesn’t subscribe to a wellness endorsement at all, there would be no coverage for Teeth Cleaning on their policy. Our wellness endorsements are a set schedule of benefits that are not subject to a deductible or co-pay. Each line item on the schedule is the maximum the policy will pay for that line item for your pet in a policy year. Under Accident and Illness policy, the Dental Coverage Section advises of the requirements that must be met for there to be Periodontal Disease coverage. You can find your Declaration Page, wellness schedule, and policy information under Documents and Forms in your account on our website. Anytime a Policyholder is in dispute of a claim that has been denied and wants us to review their claim further they can submit an Appeal Form with substantiating documentation to us. If you’d like us to send you an Appeal Form for your claim, you can contact our Customer Care Team by calling (877) 738-7237 or by logging into our website www.petsbest.com and clicking on the blue speaking bubbles to chat with an Agent. Our hours are Monday through Friday from 6:00 a.m. to 7:00 p.m. MDT and Saturday from 6:00 a.m. to 2:00 p.m. MDT. We look forward to hearing from you if we can be of further assistance and hope you have a great rest of your day. – PF
Posted 3 years ago
Just purchased the Insurance for my new 15-week-old puppy. All the initial claims were denied (simple claims, as an example a skin infection). It took pets Pets Best 5 weeks to process and then after review, they found a way to deny every claim submitted. If you are purchasing Pet Insurance...DO NOT CONSIDER Pets best.
Helpful Report
Posted 3 years ago
Hi Christopher, thank you for reaching out to us. Unfortunately, any condition that shows signs or symptoms prior to the policy start or during the policy waiting periods, is not covered by the policy. The Accident and Illness policy waiting periods are 3-days for Accidents, 14-days for Illness, and 6-months for Cruciate Ligament Injuries. These waiting periods start from the effective date of your policy. If the condition is not coverable, then the diagnostics and treatments are not covered for that condition. You can find this information by logging into your account on our website under Documents and Forms. Anytime a Policyholder is in dispute of a claim that has been denied as a pre-existing condition and wants us to review their claim further, we require that the Policyholder submit an Appeal Form with substantiating documentation to us. If you’d like us to send you an Appeal Form for your claim, you can contact our Customer Care Team by calling (877) 738-7237 or by logging into our website www.petsbest.com and clicking on the blue speaking bubbles to chat with an Agent. Our hours are Monday through Friday from 6:00 a.m. to 7:00 p.m. MDT and Saturday from 6:00 a.m. to 2:00 p.m. MDT. We look forward to hearing from you if we can be of further assistance and hope you have a great rest of your day. – PF
Posted 3 years ago
Prices go up and hardly anything is covered.
Helpful Report
Posted 3 years ago
Hi Maria, thanks for your time and feedback. Premium increases happen at your renewal. That’s when we consider that your pet is a year older. The premium at renewal is not based on the claims you’ve submitted, but it is based on your pet’s age, breed, and the cost of veterinary care in your local zip code area. As pets age, their odds of needing medical care increases, as do the odds this care will be more expensive. Premium changes occur annually at renewal to balance these age related health risks with rising medical care needs. You can review your options to reduce your premium by logging into your account on our website at www.petsbest.com and going to the Benefits button under your pet’s name. When you receive an Accident and Illness claim Explanation of Benefits from us, if any of the processing went toward the co-pay or deductible, that means the claimed condition was coverable. If a claim is denied or ineligible for coverage the amount will be in the ineligible column, and the Explanation section will show why it was denied. Keep in mind all Accident and Illness policies have a Policyholder chosen per pet co-pay and deductible that must be met before reimbursing. Our wellness endorsements are a set schedule of benefits that are not subject to a deductible or co-pay. Each line item on the schedule is the maximum the policy will pay for that line item for your pet in a policy year. To keep the additional premium for the wellness endorsements reasonable for our Policyholders, they are not designed to fully cover all your wellness needs, but to assist you with the financial burden of your pet’s annual wellness care by providing some reimbursement of what you paid to your veterinarian for their services. You can find the wellness schedule under Documents and Forms in your account on our website. Policyholders can add, change or remove the wellness endorsement within 30 days prior to their renewal for the effective date of their renewal by logging into their account on our website and clicking on Benefits underneath their pet’s name, or by contacting our Customer Care Team. We’d be happy to go over your claims, coverage, and options for reducing your premium with you. You can contact our Customer Care Team by calling (877) 738-7237 or by logging into our website www.petsbest.com and clicking on the blue speaking bubbles to chat with an Agent. Our hours are Monday through Friday from 6:00 a.m. to 7:00 p.m. MDT and Saturday from 6:00 a.m. to 2:00 p.m. MDT. We look forward to hearing from you if we can be of further assistance and hope you have a great rest of your day. – PF
Posted 3 years ago
I am about to replace Pets Best. I have submitted 3 claims and was only reimbursed on a very, very small piece of one of it. Totally not worthy.
Helpful Report
Posted 3 years ago
Hi Rogerio, When you receive an Accident and Illness claim Explanation of Benefits from us, if any of the processing went toward the co-pay or deductible, that means the claimed condition was coverable. Keep in mind all Accident and Illness policies have a Policyholder chosen per pet co-pay and deductible that must be met before reimbursing. If a claim is denied or ineligible for coverage the amount will be in the ineligible column, and the Explanation section will show why it was denied. Unfortunately, any condition that shows signs or symptoms prior to the policy start or during the policy waiting periods, is not covered by the policy. The Accident and Illness policy waiting periods are 3-days for Accidents, 14-days for Illness, and 6-months for Cruciate Ligament Injuries. These waiting periods start from the effective date of the policy. If the condition is not coverable, then the diagnostics and treatments are not covered. We’d be happy to go over your claims with you. You can contact our Customer Care Team by calling (877) 738-7237 or by logging into our website www.petsbest.com and clicking on the blue speaking bubbles to chat with an Agent. Our hours are Monday through Friday from 6:00 a.m. to 7:00 p.m. MDT and Saturday from 6:00 a.m. to 2:00 p.m. MDT. We look forward to hearing from you if we can be of further assistance and hope you have a great rest of your day. – PF
Posted 3 years ago
Coverage amount
Helpful Report
Posted 3 years ago
Hi Hector, thanks for your time and feedback. Keep in mind all Accident and Illness policies have a Policyholder chosen co-pay and deductible that must be met before reimbursing on eligible claims. Our wellness endorsements are a set schedule of benefits that are not subject to a deductible or co-pay. Each line item on the schedule is the maximum the policy will pay for that line item for your pet in a policy year. Unfortunately, if your pet is a puppy and requires multiple puppy visits for booster vaccinations, you may use up all the wellness exam and general vaccination benefits in one or two office visits depending on what your veterinarian charges for their services. To keep the additional premium for the wellness endorsements reasonable for our Policyholders, they are not designed to fully cover all your wellness needs, but to assist you with the financial burden of your pet’s annual wellness care by providing some reimbursement of what you paid to your veterinarian for their services. You can find the wellness schedule under Documents and Forms in your account on our website. Policyholders can add, change or remove the wellness endorsement within 30 days prior to their renewal for the effective date of their renewal by logging into their account on our website and clicking on Benefits underneath their pet’s name, or by contacting our Customer Care Team. We’d be happy to go over your claims and coverage with you. You can contact our Customer Care Team by calling (877) 738-7237 or by logging into our website www.petsbest.com and clicking on the blue speaking bubbles to chat with an Agent. Our hours are Monday through Friday from 6:00 am to 7:00 pm MDT and Saturday from 6:00 am to 2:00 pm MDT. We look forward to hearing from you if we can be of further assistance and hope you have a great rest of your day. – PF
Posted 3 years ago
You are a bunch of scammers and ripoff artists. I am beyond disappointed, I am disgusted.
Helpful Report
Posted 3 years ago
Hi Lori, thanks for reaching out to us. When you receive an Accident and Illness claim Explanation of Benefits from us, if any of the processing went toward the co-pay or deductible, that means the claimed condition was coverable. If a claim is denied or ineligible for coverage the Explanation of Benefits will show the amounts as ineligible, and it will show why it was denied in the Explanation section to the right. Keep in mind all Accident and Illness policies have a Policyholder chosen per pet co-pay and deductible that must be met before reimbursing. We’d be happy to go over your claims and coverage with you. You can contact our Customer Care Team by calling (877) 738-7237 or by logging into our website www.petsbest.com and clicking on the blue speaking bubbles to chat with an Agent. Our hours are Monday through Friday from 6:00 am to 7:00 pm MDT and Saturday from 6:00 am to 2:00 pm MDT. We look forward to hearing from you if we can be of further assistance and hope you have a great rest of your day. – PF
Posted 3 years ago
Need to cancel my policy. They don't answer phone ever. Chat automatic service awful. Specific question on how to cancel says fill out the form. Cant even provide the form nor it can be found on their site.
Helpful Report
Posted 3 years ago
Hi Mariana, thanks for reaching out to us. We’re sad to hear you need to cancel your pet’s policy. Unfortunately, we no longer have a form to fill out, but require that Policyholders contact us either by phone or by chat to cancel their pet's policy. We apologize for any frustration you’ve experienced in contacting us. We recommend you make sure to check our hours noted below, as we assure you this is not a common issue Policyholders are experiencing currently. We’d be happy to go over your concerns with you further. You can contact our Customer Care Team by calling (877) 738-7237 or by logging into our website www.petsbest.com and clicking on the blue speaking bubbles to chat with an Agent. Our hours are Monday through Friday from 6:00 am to 7:00 pm MDT and Saturday from 6:00 am to 2:00 pm MDT. We look forward to hearing from you if we can be of further assistance and hope you have a great rest of your day. – PF
Posted 3 years ago
have had 2 policies for years, filed claims for 2 senior pets 2 times for covered medical bills and just denials and no payments or calls, just an email that nothing was covered.......
Helpful Report
Posted 3 years ago
Hi William, thank you for your time and feedback. When there is a claim with both medical treatment and wellness items on the invoice, we split the claim into two claims and process one for Accident and Illness, and one for Wellness. The Exam is usually processed toward the Accident and Illness policy and not Wellness as the pet was treated for a condition during the Exam. When you receive an Accident and Illness claim Explanation of Benefits from us, if any of the processing went toward the co-pay or deductible, that means the claimed condition was coverable. If a claim is denied or ineligible for coverage the Explanation of Benefits will show the amounts as ineligible, and it will show why it was denied in the Explanation section to the right. Keep in mind all Accident and Illness policies have a Policyholder chosen co-pay and deductible that must be met before reimbursing. Each of our wellness options are an add-on endorsement that Policyholders can add to their Accident and Illness policy for an additional premium. Our wellness endorsements are a set schedule of benefits that are not subject to a deductible or co-pay. Each line item on the schedule is the maximum the policy will pay for that line item for the pet in a policy year. Policyholders can add a wellness endorsement within 30 days prior to their renewal for the effective date of their renewal by logging into their account on our website and clicking on Benefits underneath their pet’s name, or by contacting our Customer Care Team. We’d be happy to go over your claims and coverage with you. You can contact our Customer Care Team by calling (877) 738-7237 or by logging into our website www.petsbest.com and clicking on the blue speaking bubbles to chat with an Agent. Our hours are Monday through Friday from 6:00 am to 7:00 pm MDT and Saturday from 6:00 am to 2:00 pm MDT. We look forward to hearing from you if we can be of further assistance and hope you have a great rest of your day. – PF
Posted 3 years ago
honestly for what I pay, this doesnt cover anything at the amount I thought it would. Probably just bad research on my end but I really did feel like I got the end of the stick here.
Helpful Report
Posted 3 years ago
Hi Hector, thanks for your time and feedback. Each of our wellness options are an add-on endorsement that Policyholders can add to their Accident and Illness policy for an additional premium. Our wellness endorsements are a set schedule of benefits that are not subject to a deductible or co-pay. Each line item on the schedule is the maximum the policy will pay for that line item for your pet in a policy year. Unfortunately, if your pet is a puppy and requires multiple puppy visits for booster vaccinations, you may use up all the wellness exam and general vaccination benefits in one or two office visits depending on what your veterinarian charges for their services. To keep the additional premium for the wellness endorsements reasonable for our Policyholders, they are not designed to fully cover all your wellness needs, but to assist you with the financial burden of your pet’s annual wellness care by providing some reimbursement of what you paid to your veterinarian for their services. You can find the wellness schedule under Documents and Forms in your account on our website. Policyholders can change or remove the wellness endorsement within 30 days prior to their renewal for the effective date of their renewal by logging into their account on our website and clicking on Benefits underneath their pet’s name, or by contacting our Customer Care Team. We’d be happy to go over your claims and coverage with you. You can contact our Customer Care Team by calling (877) 738-7237 or by logging into our website www.petsbest.com and clicking on the blue speaking bubbles to chat with an Agent. Our hours are Monday through Friday from 6:00 am to 7:00 pm MDT and Saturday from 6:00 am to 2:00 pm MDT. We look forward to hearing from you if we can be of further assistance and hope you have a great rest of your day. – PF
Posted 3 years ago
Feels like a scam. Had two pets insured for almost 18 months. One recently injured its leg and the surgery was denied coverage because an unrelated incident to the same leg occurred within 6 months of getting the policy. Be very aware! They will take your money and try and connect claims so you get zero reimbursement! Very shady.
Helpful Report
Posted 3 years ago
Hello Danielle, thank you for your time and feedback. Unfortunately, any condition that shows signs or symptoms prior to the policy start or during the policy waiting periods, is not covered by the policy. The Accident and Illness policy waiting periods are 3-days for Accidents, 14-days for Illness, and 6-months for Cruciate Ligament Injuries. These waiting periods start from the effective date of your policy. If the condition is not coverable, then the diagnostics and treatments are not covered for that condition. There is also a bilateral conditions clause on all our policies. This means if there were signs or symptoms of a condition on one leg prior to the policy start or during the waiting periods of the policy then neither leg would be covered by the policy for that condition as pets tend to compensate with their other leg. You can find this information by logging into your account on our website under Documents and Forms. Anytime a Policyholder is in dispute of a claim that has been denied as a pre-existing condition and wants us to review their claim further, we do require that the Policyholder submit an Appeal Form with substantiating documentation to us. If you’d like us to send you an Appeal Form for your claim, you can contact our Customer Care Team by calling (877) 738-7237 or by logging into our website www.petsbest.com and clicking on the blue speaking bubbles to chat with an Agent. Our hours are Monday through Friday from 6:00 am to 7:00 pm MDT and Saturday from 6:00 am to 2:00 pm MDT. We look forward to hearing from you if we can be of further assistance and hope you have a great rest of your day. – PF
Posted 3 years ago
Unless you lovely dog has several real problems,the policy is worthless. Our bill was $330.00 of which the company paid $16.00. The difference went to deductible and copay. All this for $30.00+ per month. When the dog gets older the monthly charge will increase. Here is to good canine good health.
Helpful Report
Posted 3 years ago
Hi Patrice, thanks for your time and feedback. When you receive an Accident and Illness claim Explanation of Benefits from us, if any of the processing went toward the co-pay or deductible, that means the claimed condition was coverable. If a claim is denied or ineligible for coverage the Explanation of Benefits will show the amounts as ineligible, and it will show why it was denied in the Explanation section to the right. Keep in mind all Accident and Illness policies have a Policyholder chosen co-pay and deductible that must be met before reimbursing. We’d be happy to go over your claims processing and coverage with you. You can contact our Customer Care Team by calling (877) 738-7237 or by logging into our website www.petsbest.com and clicking on the blue speaking bubbles to chat with an Agent. Our hours are Monday through Friday from 6:00 am to 7:00 pm MDT and Saturday from 6:00 am to 2:00 pm MDT. We look forward to hearing from you if we can be of assistance and hope you have a great rest of your day. – PF
Posted 3 years ago
If you like waiting weeks for your claims to be constantly denied for something that could be easily fixed by the claims agent making a 2 minute call to the vet then pets best is definitely the agency for you
Helpful Report
Posted 3 years ago
Hi Robert, thank you for reaching out to us. When you submit a claim to us we require an itemized invoice showing your name, your pet’s name, the services that were rendered or medication that was purchased, the cost of the services or medication, along with the total amount due, and proof of payment. We’d be happy to assist you with your claim submittal. You can contact our Customer Care Team by calling (877) 738-7237 or by logging into our website www.petsbest.com and clicking on the blue speaking bubbles to chat with an Agent. Our hours are Monday through Friday from 6:00 am to 7:00 pm MDT and Saturday from 6:00 am to 2:00 pm MDT. We look forward to hearing from you if we can be of assistance and hope you have a great rest of your day. – PF
Posted 3 years ago
I am unimpressed with customer service as a supervisor was supposed to call me and never did.
Helpful Report
Posted 3 years ago
Hi Elizabeth, thanks for your time and feedback. An Account Manager called and left a voice message for you today. If you have any other questions or if we can be of further assistance please contact our Customer Care Team by calling (877) 738-7237 or by logging into our website www.petsbest.com and clicking on the blue speaking bubbles to chat with an Agent. Our hours are Monday through Friday from 6:00 am to 7:00 pm MDT and Saturday from 6:00 am to 2:00 pm MDT. We look forward to hearing from you if we can be of further assistance and hope you have a great rest of your day. – PF
Posted 3 years ago
The benefits do NOT justify the costs. Foe example, my annual cost for the insurance benefit is $707.43 BUT the most I can be reimbursed is $535, therefore it is better to pay out of pocket or just get the lowest cost benefit in case of emergency surgery.
Helpful Report
Posted 3 years ago
Hi Edward, thanks for your time and feedback. It was great speaking with you today. Keep in mind the premium you mention includes the premium for the Accident and illness policy as well, the Wellness Endorsement is only part of that premium amount. However, the amount you mentioned as being the most you can be reimbursed is only under the wellness endorsement and doesn’t include the Accident and Illness policy. All Accident and Illness policies have a Policyholder chosen co-pay and deductible that must be met before reimbursing up to the Policyholder chosen limit on eligible claims. Our wellness endorsements are a set schedule of benefits that are not subject to a deductible or co-pay. Each line item on the schedule is the maximum the policy will pay for that line item for your pet in a policy year. You can find your Declaration Page and the wellness schedule under Documents and Forms in your account on our website. If you find you have further questions, please feel free to contact our Customer Care Team by calling (877) 738-7237 or by logging into our website www.petsbest.com and clicking on the blue speaking bubbles to chat with an Agent. Our hours are Monday through Friday from 6:00 am to 7:00 pm MDT and Saturday from 6:00 am to 2:00 pm MDT. We look forward to hearing from you if we can be of further assistance and hope you have a great rest of your day. – PF
Posted 3 years ago
Too long to process claims and basically denied everything.
Helpful Report
Posted 3 years ago
Hi Amanda, thanks for your time and feedback. Rest assured, your claim processing time is a top priority for us, and we are continually focused on enhancing our efficiency and reducing the time it takes to process claims. Claims are processed in the order they are received. Medical claims are processed within 40 days currently. Unfortunately, any condition that shows signs or symptoms prior to the policy start or during the policy waiting periods, is not covered by the policy. The Accident and Illness policy waiting periods are 3-days for Accidents, 14-days for Illness, and 6-months for Cruciate Ligament Injuries. These waiting periods start from the effective date of your policy. If the condition is not coverable, then the diagnostics and treatments are not covered for that condition. If you would like to dispute your claim determination, you can call us to obtain and Appeal Form for your claim and submit it with supporting documentation. If you choose to appeal, please allow 90 days for appeals processing. To have assistance with a pet’s routine care, the Policyholder must subscribe to one of our wellness add-on endorsements, as routine care is directly excluded by the Accident and Illness and Accident Only Policies. Policyholders can add a wellness endorsement within 30 days prior to their pet’s policy renewal for the effective date of their renewal by logging into their account on our website and clicking on Benefits underneath their pet’s name, or by contacting our Customer Care Team. We’d be happy to go over your claims processing and coverage concerns with you. You can contact our Customer Care Team by calling (877) 738-7237 or by logging into our website www.petsbest.com and clicking on the blue speaking bubbles to chat with an Agent. Our hours are Monday through Friday from 6:00 am to 7:00 pm MDT and Saturday from 6:00 am to 2:00 pm MDT. We look forward to hearing from you if we can be of assistance and hope you have a great rest of your day. – PF
Posted 3 years ago
Pets Best Insurance is rated 4.3 based on 27,926 reviews