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.
4

out of 5

POSTED: | BY: Walter

Ups and downs, but still pleased

I've had my ups and downs with Pets Best but, in the end, I'm pleased. Going in I knew that reimbursements could take up to 45 days and so I can't complain about that, but people should know what to expect. Their premiums are less than most others and I felt a delay in reimbursement is reasonable for the price. They've paid out on most all my claims and they've also reimbursed the biggest claims I've submitted. As with any insurance company, please read the policy very carefully to understand pre-existing conditions and what's covered and not covered. My rates were increased $400/year after a few claims including a $4k hospital stay. Not happy about that, but it's understandable. Customer support is ok, nothing special but they get the job done. The biggest issue I have with Pets Best is not their coverage, it's the fact that a bank (Synchrony) owns the company. Ethical? Maybe, maybe not. Provided your expectations are reasonable, I recommend Pets Best Health Insurance.
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1

out of 5

POSTED: | BY: Andrew

Slow and won't pay reimbursements

Extremely slow claims processing. Takes them 2 months and they re-categorize care conveniently to reduce their reimbursements. Even knowing the nature of insurance companies, these guys are CHEAP. Poor service. I will be switching as soon as my prepaid year is complete. Avoid this company.
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1

out of 5

POSTED: | BY: Rahne VanDell

Premium Increased by 50%

I really liked them despite slow claim processing time. Then my premium went up 50%!!! The only explanation they gave me was that my pups were a year older. Last year my premium only went up 16%. I haven’t even filed any major claims.
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2

out of 5

POSTED: | BY: Kenneth Hunt

Very slow

It's been over a month since I have submitted my claims and have not received any funds or itemized notification of coverage for the claims. Seems Pets Best wants their policy premiums paid promptly, but they do not seem to have any urgency to pay submitted claims out.
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1

out of 5

POSTED: | BY: Amy Christiansen

Not impressed

The claims reimbursement process is super slow. Takes months to get a claim reimbursed. Also there is no way of checking how much is left on your deductible, customer service says you just have to add up all of the claims you’ve submitted over the year which is a very difficult way of figuring it out. Not very user-friendly or good customer service. They also will not allow you to change your deductible mid year even if you want to pay more to reduce the amount of your deductible. whatever you choose on day one you’re locked into for the entire year.
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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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