Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 15,511

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: Raymond

Sassy Dee

I really don't like the idea that dogs as they get older and have older dog problems that are not covered.I mwill give trhis a second look. Othan this we have had only the best experiences,so far.
5

out of 5

POSTED: | BY: The

Excellent Service All the Way Around

We have had this insurance since 2008 and have processed four claims. Every time we call them they are extremely courteous and always ready to explain what we have to do in a FRIENDLY matter. They never rushed us, or seemed to be annoyed with any of our questions. They have even went as far as to help us with the vet when we were unsure of some of the charges and explanations of service. The process of claims is so easy to do, and when they have questions instead of just sending the whole thing back or worse throwing it away, they instead call you and e-mail you try to explain what went wrong so it can be fixed. We ALWAYS received our claim within 10 business days which compared to another insurance usually takes 30-45 days. I love PETS BEST INSURANCE!!!!!!!!!!!!!
5

out of 5

POSTED: | BY: Harlene

came thru when help was needed the most

I have had Pets Best fror over 4 years and unfortunately had to submit 2 very large claims for 2 of my dogs(I have 3).and Pets Best came through saving us a total of almost $3000.00.. really made both situations much easier to deal with just know the insurance is there for us
5

out of 5

POSTED: | BY: Ann

Great experience with this company

I have had this pet insurance on 2 dogs for 3 years. It has been very good, reimbursing me some amount for every vet appt I have taken my dogs to.
5

out of 5

POSTED: | BY: Sharon

Best decision I ever made.

I recently lost a pet to a vicious dog attack. The entire experience was devastating. The most amazing part of my experience is that I was able to provide the best care she could have received because this wonderful company. Everything possible was done in an attempt to save her life. In the end, despite the valiant attempt Gully Animal Hospital provided under the direction of Dr. Brad Franklin and Dr. Roy Gully and their fantastic staff, she did not make it. There is tremendous comfort in knowing I could afford to give her the best chance possible. Pets Best Insurance was kind, sensitive, and extremely courteous when I had to call to report she was no longer a Pets Best client. My claim was handled promptly and totally to my satisfaction. You never know when you will need to try every measure to save your beloved pet's life. If I had to lose her, I am so thankful to have been backed by a company that gave me the peace of mind that finances had nothing to do with the outcome. The support of having Pets Best Insurance greatly helped during this event. It made it easier knowing I was covered by a company that provided my pet with every resource available; for this reason, I am extremely grateful for the excellent treatment, high standard of ethics, and kindness I received at time when it was truly needed.

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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