Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 15,566

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.
5

out of 5

POSTED: | BY: Vicki Cunningham

Exceptional Customer Service

Our pet needed quite a few days in the pet hospital for pneumonia and ingestion of a foreign body (plastic). Pets Best came through for us and reimbursed the full 80% after our deductible. The customer service was excellent. I especially want to thank their representative Paul for his assistance and thorough follow up. He kept us updated and ensured the claim moved along. Thank you! They are “the Best”!
5

out of 5

POSTED: | BY: Lea Whalen

All worked out

I recently submitted 2 claims and both were denied stating info from vet not received. I contacted Pets Best by chat (good luck getting through on phone!) and they explained that there was no prior history on my doggie. This is because she was newly adopted. Rep resubmitted claims with that info and both were quickly approved! Pretty easy overall!
5

out of 5

POSTED: | BY: Kathy

So far we are very happy with this…

So far we are very happy with this insurance. When we called in to ask questions the representative was so nice and extremely calm and helpful. The process to submit a claim is so easy. 😊 thank you for your help
5

out of 5

POSTED: | BY: Svolpe

My dog was in the hospital for 3…

My dog was in the hospital for 3 nights. I uploaded my $3,000 bill and got a check for $2,646 in less than a month. It was all done online seamless. Thank you Pets Best !!!!
1

out of 5

POSTED: | BY: Teresita Perez

Beyond Horrible Pet Insurance

Beyond Horrible Pet Insurance! If zero stars was an option I would give them zero stars! They don't even deserve one star. Total rip off, in my book complete thieves! They refused to pay for my claim because they state that a symptom which hadn't had a diagnosis because no vet had come up with one was considered pre-existing. So basically if the dog sneezes and you take them to a vet then later do a claim for that visit they refuse to pay for the claim stating to me that the symptom is pre-existing! Also takes them close to 45 minutes to get a rep on the phone. They also made me send them a bunch of vet notes called SOAP to be denied later because in my case the vet was still trying to figure out what was wrong with my dog and why she was getting diarrhea. It honestly seemed from the many request for the same notes and x-rays that they were digging to try and find an excuse not to pay for the claim. Stay far, far, away from this company get Nationwide pet insurance instead at least they pay the claims and not make you feel like if you're trying to take advantage of them. Yeah the representative I spoke with made me feel like if I was trying to rip them off! I have never been so ill treated by a company like this one. Hope this helps someone never pay them one red cent they are truly the definition of horrendous service! The reply from the insurance company below is a complete lie! No where on the medical notes from the vet does it say that she had a pre existing condition let me know if I should send screen shots of these notes which they already have but won’t show anyone a copy of course! Also, take note how they are not even offering to contact me to fix this situation if they were being honest then contact me and tell me where the hell it says that the condition of my dog was pre existing! Train your customer service better! Trust me everyone don’t let this company rip you off! Acting all innocent almost a month or more later wow just wow!

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.

Get a quote today

Leave a review