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.
1

out of 5

POSTED: | BY: Rosa Velez

I have paid for this insurance for a…

I have paid for this insurance for a long time and every time I take my pets to the vet it covers almost nothing. I don't see what the purpose of paying for expensive insurance is if I have to pay a lot for each visit.
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5

out of 5

POSTED: | BY: Chris

Best Pet Insurance

I tell everybody who tells me they have a dog to get enrolled into Petsbest ! I can't thank them enough and want other people experience the same when the time comes and their dog is in serious need of surgery or treatment . Thank you again !
2

out of 5

POSTED: | BY: Paul Morissette

We are generally "ok" with Pets Best…

We are generally "ok" with Pets Best time to process claims and our receipt of claim payments. We are not "ok" and do not like Pets Best policy provisions regarding the processing of charging us coinsurance costs BEFORE our Deductible is fulfilled for the year. All this does is lengthen the amount of time it takes to fulfill our Deductible and therefore costs us more money out of pocket. When researching our concern, we found that the policy provision language in our documents are vague in regard to clearly communicating the timing of when coinsurance is to be charged to us (i.e., charging coinsurance during the dime we are filling our Deductible or only after we have fulfilled our Deductiible). When we brought this up to the company via their Service Department, the Department obviously did not care. If we had realized Coinsurance was to be charged at the same time that the Deductible was being fulfilled WE WOULD HAVE NOT PURCHASED THIS PLAN.
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5

out of 5

POSTED: | BY: Laura Binversie

I love Pet's Best!

I love Pet's Best! Customer Service team is wonderful to work with - the are fabulous at what they do. Claims are processed quickly (I would love to send my personal claims through - "regular" insurance companies could take some pointers). I highly recommend Pet's Best Insurance
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1

out of 5

POSTED: | BY: Erica Tunnell

Unsatisfactory Customer Experience

The Customer Service does not provide a great Customer experience. I had to speak with a supervisor last Saturday. Also, the timeliness of processing claims is horrible. Additionally, Customer Service should always listen, paraphrase to understand & clarify, this has not been the case.
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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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