Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,160

Founded by veterinarian Dr. Jack Stephens, Pets Best insures cats and dogs in every state and has paid nearly $150 million in claims since 2005. is recommended by veterinarians across the U.S. Learn more about Pets Best plan options, read thousands of customer reviews and get a quote so you can make an informed choice about your pet insurance provider.
3

out of 5

POSTED: | BY: Jamie Brewster

In general the cost is ok… downside…

In general the cost is ok… downside items are- very slow claims reimbursement process and claim information collection process.
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2

out of 5

POSTED: | BY: Mel

It keeps getting worse

I’ve been using Pets Best insurance for my cats for several years now, and unfortunately my experience has become increasingly disappointing. Last year, my monthly premium increased to more than three times what I had been paying. When I contacted customer service to ask why or to explore options, I was told it was simply due to “market price.” There was no effort to help me review coverage, adjust my plan, or find any alternatives. This year, I tried to add the wellness package that includes chiropractic care, acupuncture, and other holistic services, only to be told that these can only be added within the first 30 days of the original application. After years as a customer, this policy feels completely unreasonable and inflexible. Like many pet parents, I feel stuck because changing insurance is extremely difficult once pets have pre-existing conditions. That said, as soon as I find a better and more transparent alternative, I will absolutely be switching. To make matters worse, claims that used to be reimbursed fairly quickly are now consistently delayed, often taking over a month.
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5

out of 5

POSTED: | BY: Kevin Roberts

Prompt review of claims (usually)

Prompt review of claims (usually). The last couple of times it's been an extended wait for claims to be covered but I attribute that to the recent updates on your site.
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2

out of 5

POSTED: | BY: Carol Poss

Not sure if this is worth the hassle

I have been trying to get a claim paid since October. Part of it was my fault—I didn’t provide the proper proof of purchase—but the remainder has been slow customer service and horrible app and website experiences. I found the proper proof of payment and have emailed it at least three times for processing. My claim was closed due to not sending in proof of payment. I spoke with a customer service rep who indicated I needed to submit a new claim, referencing the old claim, which I did. Now I’m getting emails saying the new claim is incomplete. The app and website won’t allow me to upload the information—I keep getting error messages. I have sent screen shots of the error messages in with my emails (I can’t be the only one having this issue!) and get crickets. Hold times are ridiculous and when I did get through the rep said they would handle the problem which they haven’t done. I just adopted two kittens and was going to add them to the policy, but why bother when all I am getting is frustrated! Also, every time I sign in on my iPad I get the message that I’m using a new device and have to wait for an email in order to login again. Whatever system upgrade you had in the fall created more issues than it resolved. I’m not sure I’m going to renew this policy.
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5

out of 5

POSTED: | BY: Susan

Easy Reimbursement was swift

Easy Reimbursement was swift
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Monthly Cost

$6 and up, depending on your chosen plan.

Coverage

Accident and Illness plans with optional reimbursement levels of 70%, 80%, or 90% after the deductible.

Flat Rate Accident coverage for $9/month for dogs and $6/month for cats. (Available in most states).

Two optional Wellness plans to cover routine care.

24/7 Pet Helpline, powered by whiskerDocs is included on all policies.

The pay-out amount is based on your actual vet bill.

Reimbursements are sent directly to CareCredit credit card when chosen as your default reimbursement method.

Choose to have your eligible claim payment reimbursed directly back to your CareCredit card.

Payout Limits

$5000 -Unlimited annual limit, depending on your chosen plan.

Unlimited lifetime limits.

Deductible

$50 – $1,000 annually.

Age Limits

Pet must be at least 7 weeks old to enroll.

Pets Best does not restrict coverage or availability for older pets.

Waiting Period

A waiting period refers to the amount of time after enrolling before your pet is eligible for coverage. Waiting periods vary by the type of coverage and start on the effective date of your policy. Once met, waiting periods are waived for continuous, uninterrupted policy renewals. Pets Best offers some of the shortest waiting periods in the industry following the policy effective date. Get a quote for specific information on waiting periods in your state.

Exclusions

Pre-existing conditions are not covered.

Elective and preventive procedures are not covered.

Provider website

Pets Best was founded by veterinarian Dr. Jack Stephens, whose passion for saving pets led him on a mission to provide access to comprehensive, yet affordable, animal healthcare. Pets Best offers pet insurance for dogs and cats in every state and has paid nearly $150 million in claims since 2005.

Pets Best is rated 9.6 out of 10 (TrustPilot) and is recommended by veterinarians across the U.S. Built upon a legacy of innovation, it focuses on putting customers first by offering unlimited accident and illness plans, wellness plans, a mobile app, a 24/7 Pet Helpline (powered by whiskerDocs), and more.

Provider website

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