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.
1

out of 5

POSTED: | BY: JH

Pets Best is the worst company ever

Pets Best is the worst company I have ever encountered. They commit fraud, dishonor their policies, ignore phone calls and requests, fail to appropriately review claims or explain benefits, deny claims without looking at them, lie to regulators following formal complaints, invent pre-existing condition exclusions, provide zero research or guidance, condescend your concerns, refuse to process claims or appeals, and could care less about you or your pet. I wasted hundreds of dollars without gaining any support for services guaranteed in policy. Still dealing with my September 2019 claim without resolution. Read BBB - my experience is far from unique.
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5

out of 5

POSTED: | BY: Jacqueline

Very Happy and Grateful for Pet's Best!

My first time filing a claim was so easy and my refund was deposited quicker than expected. I was also updated on the status of my claim in a timely manner. My dog comes first in my life and I spend more on her care so this insurance was a Godsend to me because I was spending a small fortune because she is a large dog. Thank you again Pets Best for making my dogs life and my life is a little easier!
1

out of 5

POSTED: | BY: Anthony

4 PAWS DOWN!!! It took one month to process the claim only to deny it.

It took one month to process the claim only to deny it. A MONTH! I've had Pet Insurance with other companies before, and none of them have ever taken that long nor have they denied any claim I've submitted. I'd steer clear of this company!
2

out of 5

POSTED: | BY: Dog owner

It is convenient to have reimbursements…

It is convenient to have reimbursements sent directly to my bank account. However, the turn around time for claims is 2-3 times longer than it used to be. More importantly, the amount reimbursed is barely worth the return when you consider the annual cost + the deductible + the co-pay. Thanks for such a thoughtful reply.
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1

out of 5

POSTED: | BY: Beth Mirsky

Pets Worst

If there were zero stars that would be too many Along with a huge increase in premiums, it now takes 35-60 days to pay a claim Their excuse... experiencing growth and not enough customer service reps This has been going on for at least 4 months If I weren’t stuck with them because of my dog’s pre-existing condition I would have switched to another carrier Run run away as fast as you can
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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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