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.
2

out of 5

POSTED: | BY: Blade

Reviewer did not understand what operation was done or why

The reviewer of the claim did not understand that the original reason for bringing my dog to the doctor was not the reason for the operation we had. They claimed it was a pre-existing condition, but we only discovered the issue which *would* have been a worse issue later in life, because we ran a CT scan and discovered something new. They didn’t ask for feedback until today, and suggested I write a review- so here it is. They need better communication, should have checked in before today from an operation that happened months ago, and should have more carefully examined the martial. I’m hoping they contact me now.
3

out of 5

POSTED: | BY: Kent

Well, they used to be good...

We left another pet insurance company because their claims service slowed considerably. Have with PetsBest for many years and was impressed with policy and service. However, the last few claims we had they slowed considerably in response and handling the claim. I am quite disappointed, I am not sure what has happened there to have things change so much. After waiting some time for a response, I faxed in a request to hear the status of my claim. I did not get a response and then filed a complaint with the state department of insurance. I started shopping with other companies and will change companies at the conclusion of current policies. Too bad, another good company no longer able to serve as they did in the past.
5

out of 5

POSTED: | BY: Jamie

Skeptical about pet insurance?

At first I was skeptical about getting pet insurance but after years of expensive medical bills for previous pets and now being a first time owner of two purebred kitties, I wanted to be prepared. I’m still in the beginning phases of getting their shots and neuter/spay and I’ve already received my first approved claim! The process is easy and thorough. I would recommend PetsBest to any dedicated pet owner! Thank you!
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5

out of 5

POSTED: | BY: Pam P.

First time using Pet's Best

First time using Pet's Best. The process was easy and quick. The refund came within a few days. I opted for Pet's Best because my daughter uses it for her dog and said it was a great insurance. We're both very pleased.
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1

out of 5

POSTED: | BY: Jossua Parini

Scam of an insurance company!!

Scam of an insurance company. My dog got hit by a car the day the policy started. Freak of nature situation and instead of helping me through this tough time, they denied any coverage. As usual insurance companies have no compassion, feelings or understanding of any of their customers. I also have a second dog and we went for a regular chrck up and guess what that wasn't covered either. I'm paying $100 a dog each month for months now and when I needed PestBest, they simple denied all my claims. Oh and it took them 45days to review your claim so they can deny it. So they make you pay extra months so that you dont lapse to just find out that you'll be denied. when I voiced these opinions to their customer service they don't do anything and when I said I'll just cancel, they said go right ahead. So DO NOT USE PETSBEST/WORST for your pets.
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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.

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 Pet Insurance detail
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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