Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,696

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.
1

out of 5

POSTED: | BY: Patti Colson Unrein

Stay away from this BAD FAITH insurance…

Stay away from this BAD FAITH insurance company. Every claim denied in full or in part for services that are part of the policy. They will use the pre-existing condition clause to deny every time even when your Vet writes a letter to confirm it is UNRELATED. Biggest scam pet insurance company to date. ONLY expect small claims to be paid. Bait and switch imho.
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5

out of 5

POSTED: | BY: Silian Duran

First time doing a claim

First time doing a claim ! Very satisfied with all the process super easy and very well explain … it’s deff worth it to have an d insurance for our lil ones !! I’m very please
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5

out of 5

POSTED: | BY: Brittany

Awesome customer service!

I worked with Kelsey who was extremely helpful in explaining the claim submittal process and answering all questions. She walked me through what my first visit will be like and how to submit a claim and even some other questions I had.
5

out of 5

POSTED: | BY: H.C.

Claims addressed fairly and quickly

Very pleased to note that all claims are handled fairly and promptly. Never had an issue making a claim!
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1

out of 5

POSTED: | BY: Bruce

Unsophisticated ecommerce and no technical support

I was unable to file a claim on the iPhone app. It is very difficult to find a support contact, and I found only phone support. No email, no chat, Further, the support is for coverage and filing issues. It is not technical support. It is no surprise that the agent was unable to offer any assistance. The only help offered was a physical address to submit claims by postal mail. Though not suggested or offered, It turned out that the website worked fine. Maybe there are better providers, but Pet's Best seems to lack polish and a grasp of modern commerce. 20 years ago I considered insurance for a new puppy. Because so many conditions were not covered, I chose not to buy. Twenty years later, the industry appeared top have matured a bit. I now question that. With a new puppy, I purchased from Pet's Best. On my first claim I was denied. I thought I'd bought wellness coverage, but I did not. My second claim, for a medical condition, was also denied. Apparently I sought reimbursement for what Pet's Best considers a pre-existing condition. If this develops into a chronic condition, I suspect I'll never see reimbursement.
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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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