Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,162

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: Jessica Johnston

Great pet insurance

So far, my experience with Pets Best has been great! It took about 2 months to hear back on a claim I filed. But once I got a response, reimbursement was direct deposited a couple days later. It covered a huge chunk of a dental surgery my cat needed. Super helpful!
Read more on Trustpilot
3

out of 5

POSTED: | BY: Elisabeth Galvin

I’m in the middle

There is a long day to process claims. Customer service wait times are long and they do not reply to emails. I believe there has been a chat feature option at times but it disappears. Reps are kind and apologetic. I am disappointed they don’t cover anal gland expression and there seems to be no legitimate reason besides its a common issue that requires a lot of visits for some. Claims have been resolved within approximately 30 business days.
Read more on Trustpilot
1

out of 5

POSTED: | BY: Brenton Goodwin

Avoid PETS BEST

Shifted from FIGO to Pets Best after FIGO changed underwriters and raised premiums for less service. This was a mistake, Pets Best have paid nothing on every claim, from regular checkups to non wellness appointments. Worse of the usual Insurance crap, finding every little technical wording to deny everything, what the hell am I paying for if you find some excuse to deny every claim. I'm not a pet owner whose at the Vet every 2 weeks nor is my dog sick often, basic kind of nail bed infection or issue with a tooth kind of visits. Took 6 WEEKS to even process my latest claim and denied everything, half of which under "wellness" checks not covered even though the vet bill clearly states Non Wellness visit, now I have to ring them and argue with some poor phone worker about all this stuff AGAIN. Waste of time, avoid Pets Best at all costs.
1

out of 5

POSTED: | BY: Robin Cooter

Ridiculous

Took 45 days to be reimbursed for my simple wellness claim. The UI on the app only allowed for a single page document. However, it needed a summary of care and a receipt showing it was payed. These did not come on the same sheet which created a hassle trying to get the claim even accepted. But the worst part is that I signed up for the policy with 2 cats, and paid double so that both my cats had separate coverage. But since they both fell under the same policy, they both only fell under a single wellness plan. So the maximum reimbursement amount I would be allowed to receive for wellness treatments would be the same as if I had a single cat on the policy. I wish I knew this before having a number of wellness treatments done on my cats, racking up a few hundred dollars in bills that I had assumed I was going to be reimbursed for (hence the whole point behind getting pet insurance with a good wellness plan). But I guess that's on me for expecting that since I was paying double to get separate coverage, I'd have double the maximum amount I could be reimbursed for. Silly me.
4

out of 5

POSTED: | BY: Ilene

Vet Bill processing

I uploaded copy of my vet bill and cy of paid receipt. I started receiving automated messages that more info was needed. Not clear what was needed. Since it was a holiday weekend, I waited and called today. Very helpful customer Rep checked it out and found it was already processed. Don’t know why I kept receiving the automated messages. There seems to be a glitch in your system. Always worked smoothly before
Read more on Trustpilot
Please leave a review

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.
Provider website

Get a quote today

Leave a review