Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 15,713

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.
4

out of 5

POSTED: | BY: Alberto Agrest

The company is responsive and…

The company is responsive and straightforward. Always requests more time to process the claims. Only reason why it is not a 5*
5

out of 5

POSTED: | BY: Hillie

Glad I got Pets Best insurance before I needed it!

My sweet dog needed emergency overnight surgery. My vet gave me the necessary information and I filed a claim with Pets Best online. The process was very easy, and Pets Best paid the claim promptly. My pup is healthy and fine now, and I'm really happy my dogs are insured with Pets Best!
4

out of 5

POSTED: | BY: Sarah Elwell

Cost Effective Coverage, slower claim turnaround

We were covered for everything that I expected from the agreement that I signed. The only downside is a slower claim review and reimbursement turnaround time, but for the monthly rate I think this is great coverage that is affordable.
1

out of 5

POSTED: | BY: Paper Sky

If I could give them zero stars I…

If I could give them zero stars I would! I have had my dog covered by Pets best for about 3 years. Never had any real issues until recently when I found out my dog had a heart murmur & needed an echocardiogram. I sent in so much documentation as did my Vet (who has been my vet for 20+yrs). Closed my claims because I didn’t have the correct info which was complete BS - said they could not read the payment. Kept waiting for payment & after 7 weeks told me it needs to be paid in full before they can process it. Why not tell me that the 6 other times I called & spoke to someone or the 10 emails I sent. I just had my 4th breast cancer surgery so have not been able to work & told them that things were really tight & I needed them to reimburse me what should be about $1500 & keep getting a different answer. Its in the queue for payment- - its being reviewed for payment- today I get its going to be made a decision on in the next 24-48 hours - WHAT?!!!! its been 10 weeks now & here is the kicker - you only have 90 days to deal with your claim & then its closed for good! Its an absolute scam! I will be contacting every vet I know with a detailed letter letting them know what is happening along with a printout of the complaints on this website so they can be aware NOT TO EVER SUGGEST THEM! I will also be contacting my attorney as well as the ASPCA & my attorney general. This is absolutely not ok. I am about to be evicted because they won’t pay a claim that has been valid & I have never been late with my premium which was $148 a month up until 3 months ago right before I knew about the heart condition - I had to lower the coverage because of my health situation & my financial crisis. They are incompetent & full of one excuse after another. They should be closely investigated & I will be starting the lead on finding out more to prove I am correct with my documentation & proof. I am EXTREMELY detailed & I recorded all of the calls as well! Also after going to the Consumer Credit website & seeing all of the other terrible reviews especially having to deal with other echocardiogram patients I realize I am not alone which just makes me sick to my stomach. I’m already struggling with my cancer & now have the stress of their shenanigans & my son(dog) also having heart issues is really just despicable! SHAME ON THEM!
5

out of 5

POSTED: | BY: Corinne Fortenbacher

Pets Best has Literally saved our dogs…

Pets Best has Literally saved our dogs life - Getting this insurance was the best decision I've made in years!

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.

Disclosures

Waiting periods, annual deductible, co-insurance, benefit limits, and exclusions may apply. For all terms visit www.petsbest.com/policy. Products, schedules, discounts, and rates may vary and are subject to change. Premiums are based on and may increase or decrease due to the age of your pet, the species or breed of your pet, and your home address.

Pet insurance coverage offered and administered by Pets Best Insurance Services, LLC is underwritten by American Pet Insurance Company (NAIC #12190), a New York insurance company headquartered at 6100 4th Ave. S. Suite 200 Seattle, WA 98108, or Independence American Insurance Company (NAIC #26581), a Delaware insurance company located at 11333 N. Scottsdale Rd. Ste. 160 Scottsdale, AZ 85254 or MS Transverse Insurance Company (NAIC #21075), located at 15 Independence Blvd. Suite 430, Warren, NJ 07059. Pets Best Insurance Services, LLC (NPN #8889658, CA agency #0F37530) is a licensed insurance agency located at 11333 N. Scottsdale Rd. #160 Scottsdale, AZ 85254. Each insurer has sole financial responsibility for its own products. Please refer to your declarations page to determine the underwriter for your policy. Terms and conditions apply. See your policy for details.

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.

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