Deductible is per condition, not per year, and they exclude a lot. They pay pennies on the dollar.

It't a waste of money they never pay on any claims

I was paying a high premium each and every month for my two dogs and that is now increased up to $120 a month for both my dog. This is the second time I tried to use my insurance I’ll pay for something which is what you get insurance for in the first place. First time I was denied the second time now I only got less than half had to pay $250 deductible, which is crazy after all I pay each month.

Not consistent with claims

Your customer service sucks. You may be good at pet insurance but 20 minutes to get someone to answer a phone call is pathetic.

Was disappointed to see that exam fees are not covered at all.

They have countless loopholes for not covering standard accidents and illnesses. This is a sham of a service. Don’t enroll, you are wasting your money.

They nickel and dime every single claim that is sent in. They do not reimburse 90% of the bill. They decide how much is allowable for your area then they give you that amount back. So don't expect to get back the 90% they say you get back. They will raise your premium every other year but when it comes down to paying out you need to jump through hoops. I used to recommend this company but not anymore.

For starters, I've been with PB now for over 3 years, this is a systemic problem! I recently submitted a claim for my dogs ongoing internal inflammation treatment. While Pets Best's policy coverage is straightforward and the premiums are reasonable, the claim processing time is a major problem. It takes an average of 2-3 weeks (or up to 2 months in some cases) for reimbursement, even when all documentation clearly outlines that the claims stem from one condition. My friends with other providers like Healthy Paws get paid out in as little as 24=48 hours after approval, or Lemonade in 24-48 hours—that's the kind of efficiency Pets Best needs to adopt to stay competitive. Overall, 2 stars; great potential, but the slow turnaround is unacceptable for pet parents dealing with urgent health issues

This is a scam. Don’t buy into their bs.