Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,161

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: James from DC

OVERALL VERY GOOD!

I have to say that Pets Best has paid THOUSANDS of dollars worth of claims on behalf of my injury-prone and illness-prone dog. I thus give them a very high score. However, as others have noted claims processing is fairly slow. It usually takes around 30 days for reimbursement; sometimes 40 days. People reading this review should also note that wellness coverage by Pets Best (that is, annual physicals and preventative medications) is separately charged, and is not particularly comprehensive. So far I have chosen to pass on wellness coverage. In summary, Pets Best has covered EVERYTHING my vet has done/prescribed outside of wellness. I wish the company were a little faster in processing reimbursement. However, for my low monthly premium it's hard to complain too much.
5

out of 5

POSTED: | BY: Leonel Delgadillo

We are extremely satisfied with the…

We are extremely satisfied with the level of coverage provided by Pets Best Health Insurance for our dog. Claims are easy to submit and the communication is excellent to keep us informed as to the processing time. We strongly recommend this service to anyone who has a pet that they love and want to keep healthy with great coverage.
5

out of 5

POSTED: | BY: Robert Pritchard

This is the best pet insurance you can get…

This is the best pet insurance you can buy for your dog my pug had an eye injury and best pet took care of the bill with in my policy limits I bought and the customer service well let me tell you absolutely a++++ super friendly and knowledgeable don't be afraid to spend your money get your pets insurance here all of my Pug's have it ..... Robert Pritchard
1

out of 5

POSTED: | BY: Joshua Potvin

still no response on my claim

It's been over a month and still no response on my first claim.
3

out of 5

POSTED: | BY: Edie Reilly

Payments are delayed

Payments are delayed. One of my submitted claims was rejected as a duplicate. It was not. It was an additional visit 2 days after the original visit. I sent an email to explain, but to date have received no response.

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.

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