I have PetsBest insurance for both of my cats. We get their second-to-best coverage option.

So last year, I took both my cats A and E in for their annual checkups. A gets very stressed at the vet. When they looked over their blood work, the vet noted that A had elevated insulin levels and offered to run a Fructoseamine test to check if he had diabetes. I agreed to it, test showed he did not and his elevated insulin levels were from vet stress.

I submitted both of their vet bills to PetsBest and was compensated about $150 for each of them.

This year, same thing with the annual checkup. This time, my vet offered to pre-emptively run the fructoseamine test on A just to make sure nothing had changed from last time. I agreed to it, test was run, once again A is confirmed to not have diabetes.

I submitted the bill again. E's visit went through and was compensated about $150 again with no issues. A's, however, was delayed for a few weeks.

They recently got back to me basically saying the visit was considered an accident/injury checkup and would go to my deductible instead. Additionally, they listed A on the report as having diabetes.

When I tried contacting them over live chat about this, they said that because the fructoseamine test was performed the visit was no longer qualified as a wellness visit. That the test clearly showed the pet came to the visit unwell. I explained he did not in fact come in unwell, the test was a checkup from last visit, and last visit the checkup was reimbursed just fine.

They also said that I had reached my limit on coverage for my wellness checks anyway, which didn't make sense because only E was reimbursed - last time they were both reimbursed.

They said they would resend it in to check it over again. However, I'm thinking I should try calling them instead. I'm not sure if I should involve my vet on this? I really don't like that they listed my cat as diabetic when the tests have proven he isn't. I also need the reimbursement, not having this sent to my deductible.

It just doesn't seem right that because my vet offered to check up on this one thing, the whole visit is ineligible for compensation. I don't want to start turning down tests like this just because of how my insurance might see it.