Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 15,498

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.
3

out of 5

POSTED: | BY: Michael

They use and AI to review your claims

PetsBest uses an AI to read your claims. It misread a lab test that is fungal and says its not in the drug foundry because it thinks its a Chinese herb. So you have to call in and tell them, then they send it off to a human who has 30 days to review it. Problem is the test was $800, so you don't get paid when you need the money. This is the third claim I have had that is misread. Its their screw up but I get penalized. Not acceptable.
5

out of 5

VETERINARIAN: Alburtis Animal Hospital

POSTED: | BY: Wendy

Annual exam not paid for under my $0 Essential Wellness plan

I had multiple claims for my dog. One of the claims was for his annual visit. The annual policy that I purchased for him for Essential / Wellness Routine Care has a $0 annual deductible. The maximum allowable limit for a wellness exam is $50. The charge for his wellness exam was $87, so I should have been reimbursed $50. Instead, the wellness exam was applied to his Accident and Illness plan $200 deductible, so I was not reimbursed the acceptable $50 for his wellness exam. I had not met the $200 deductible for the Accident and Illness plan. The annual exam was clearly a wellness visit and I should not have to reach any deductible since I chose a wellness plan with a $0 deductible. I contacted customer service and they said this claim needs to be reviewed by a higher department. I was told that I should receive another EOB within a month. If I don't receive anything in a month, then I should contact them again. This was clearly a mistake on Pets Best Insurance. It should not have to be kicked up to a higher level for review and I should not have to wait a month to be reimbursed for the wellness visit that I definitely owed.
5

out of 5

POSTED: | BY: Amy

Consistent positive experiences

I am so grateful a friend recommended PetsBest insurance to me when I adopted my dog. At the time, she was healthy and I was hesitant to spend money on monthly premiums for something I wasn't sure I would need. Unfortunately, my dog has developed several significant health issues (orthopedic, allergies) in the two years since she joined our family. PetsBest insurance has been wonderful - the process of filing claims is clear and the time required to process and payout claims is very reasonable. I would do anything to get my dog the care she needs, regardless of the cost. Having insurance definitely eases financial stress of paying for her veterinary care and lets me focus more on helping her get well. I have recommended PetsBest to others and will continue to do so.
5

out of 5

POSTED: | BY: Suzanne

Quick Reimbursement

Very pleased with how fast my claim was reimbursed
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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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