Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 15,698

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.
2

out of 5

POSTED: | BY: Shirley

Poor customer service and claim response

Pets Best has refused to accept the fact that my dog was adopted because I fostered her for several months through some health issues. Adoption application was insufficient, paid invoice (indicating paid with same credit card Pets Best has on file paying their premiums) was not enough, they insisted on seeing my credit card statement. All the while not responding to my emails asking why they were having an issue with this. I received an email that they were going to need to decline payment because they were unable to reach me by email or several phone calls. I received no phone calls, no missed calls, my number is correct in their records. The next day the claim was denied because "the service provided is not covered under your policy". It clearly is (office exam). The persons I talked with in Customer Care and then Claims said they would follow up and get back to me, but neither did. I have had other pet insurance policies with other companies and have never had any trouble. I plan to switch insurance as soon as the current medical issue is resolved.
5

out of 5

POSTED: | BY: Amy

Grateful

My pup went into anaphylaxis, something you never expect. It was a layer of comfort to know Pets Best was behind the scenes supporting us. Two emergency vets and a hospital stay later, the claim was quickly covered and my love is recovered!
4

out of 5

POSTED: | BY: Sheila Kaplan

Heartless and thoughtless

I explained my situation and was given correct information. However - very important - tell your people NOT to wish someone a wonderful day when the client has just informed them that their pet just died the previous day. Completely heartless and unthinking. I told her so. Some words of sympathy and condolence would have been appropriate, not a cheery “enjoy the rest of your day”. is she a robot or a human being with a heart?
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5

out of 5

VETERINARIAN: Roseland Animal Hospital

POSTED: | BY: Tracy

Great overall

I haven't used other pet insurances so I can't say that this is the best overall.. But I can tell you that filing a claim was exceedingly easy. I had a question and spoke to customer service and they were amazing and even fun to work with. When I received my claim information back I understood why something was covered and why other things weren't. I wanted a certain medication to be covered however I knew it wasn't beforehand as the medication list was easily available. So far, so good, though I do have a few more things pending. Hopefully we keep on this trend.
1

out of 5

VETERINARIAN: Chain of Lakes Animal Clinic

POSTED: | BY: Julie

The Claims Process is a Nightmare

I chose to add the wellness plan and that was a mistake. They instantly denied anything wellness. After filing twice, calling twice and them admitting it should have been paid twice, I was as told I had to file an appeal that can take 60 days. When I asked why I should be doing so much work just to get what I paid for they said it’s just the way the system works. I cancelled the plan and filed the appeal. I got the claim several weeks later. I’m glad I switched before I really needed the support. The last thing I need is dealing with this nonsense when my dog’s actually sick.
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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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