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.
1

out of 5

POSTED: | BY: Elana

I hate pets best

STOP RE-auditing multiple times per year. Pets Best is constantly making changes which increases the pricing and because you all are following the law, you are secretly ripping people off behind their backs. Because this is pet insurance and some of your customers fur babies have pre-existing conditions, it’s difficult to leave Peta Best to find competitive rates. We are now pigeon holed with our animals pre-existing conditions to stay with our policies Because we are long-term customers and leaving would raise the rates even higher.. What you are doing is immensely affecting your customers budgets to help their pets, and you should be ashamed of yourselves for allowing politics and bureaucracy to rip off, loyal, long-term customers with sick pets that trusted you to help with our families in mind. Stop re-auditing your policies, forcing pricing increases constantly.
1

out of 5

POSTED: | BY: Sherry

I called after I had made a claim for my dog Diamond

I called after I had made a claim for my dog and Pets Best forwarded a payment to my account not even 1/3 of the amount I spent at the office visit.I took out extended coverage of pet insurance when I first signed up for reimbursement of 85% of what ur bill is .Check this out 2024 received what I was to receive.. 2025 the excuse was I didn’t take her when new coverage was infect so I didn’t receive the amount I got in 2024.2025 just submitted claim this time we only pay a certain amount wellness visit..I am furious and give them a one star.. I plan on calling back Monday to get a supervisor or corporate because I don’t know who is playing games .What the since it makes to have reimbursement insurance with not only paying increase fees every year our pet ages.???I was givihg Pets Best great review to my family to purchase their insurance .Hell no
3

out of 5

POSTED: | BY: Gracie

Procedure not covered

My dog needed medically, necessary repeated procedure. She needs her anal glands to be expressed once a month due to a unique problem that she has . I was told by Pets Best that if my Vet sent a letter saying this was a medically necessary procedure that it would be covered. I submitted that letter from my Vet.However, it was not covered, and it won’t be in the future is what I was told.
3

out of 5

POSTED: | BY: Liz

I haven't been overly pleased in my communication from Pets Best

I haven't been overly pleased in my latest experience as I had to chase a lot of it. I feel like I did all the work and nothing was done on their end. This had to do with chasing reimbursment.
2

out of 5

POSTED: | BY: Courtney Thomas

I'm sure this will go right to PetsBest paper shredder.

I have two pets insured with PetsBest. The only reason I chose 2 stars over 1 is because one pet's claims process has been smooth, however the other pet's claims process has been a disaster. You'd think one pet's good experience helps, but it doesn't. It only emphasizes how horrible the disparity is in the experience I'm having - and how wildly inconsistent the quality of adjusters. My pet's claim has been going on for 52 days. I'm currently in the appeal process and PetsBest is asking for information they already have in the file, I can see it from the customer portal. They are threatening to close the appeal if information is not received within 15 days - again, they already have this information! Also they cannot calculate time periods. They asked for records dating back 18 months, which in my case would be 8/11/2023, but the date they are stating in their emails is 6/1/2023. Seems like they're going for a "Gotcha! We didn't receive the necessary information". But this is also erroneous; I can see records in the file dating back to 2021. Talking to Customer Care representatives is like talking to a brick wall. I receive incorrect and unhelpful information. Talking to a supervisor was not better, empty apologies with no escalation of the issue. I never receive email replies from customercare @petsbest.com. Conversely, I'm drowning in automated emails. If anyone at PetsBest actually cares to receive my feedback and consider improving processes, I have a full log of how my experience is going.

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