Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,160

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.
2

out of 5

POSTED: | BY: Mike

Beware of aging pets and cost to customer

Ok so we have used this insurance on our animals many times and they pay out whats necessary. Good Job. What is very unfair and I have a feeling this is across the board for all Insurance companies for animal is that they know now our animals are older and have current medical problems we cannot go to another insurance company and have current medical problems covered. With this noose they know we can't leave and have our fur babies fully covered so they put the premiums and monthly charges up so ridiculously high most people can't afford the cost therefore the customer either has to lower coverage to lower the cost of coverage or cancel it all together. Clever stuff on their part i say. That being said they do pay out when needed but it comes to a point that after a year of paying extortionate monthly payments and the premiums for each animal in the end is the coverage worth it. When your fur baby is young and healthy its cheap. Beware when your fur baby gets old and/or you have to use the insurance, they will push up the cost of customer payments very high and send a letter with a very poor lame excuse for doing so. Very Disappointed and trapped with this high cost insurance! Clever them!
5

out of 5

POSTED: | BY: Carmen Padilla

Pets Best is the absolute best

Pets Best is the absolute best, they process your claims in a timely manner and reimburse immediately. They are very fair. We are truly thankful that we found them.
2

out of 5

POSTED: | BY: Alice Smith

Long processing time

They are very slow processing claims and paying back after the deductible have been met.
5

out of 5

POSTED: | BY: Lynn Munday

Very happy with my PetsBest purchase!

Very happy I purchased insurance with the wellness insurance option for our two new rescue dogs. Fair premiums for the benefits you receive compared to other pet insurances I looked into. Easy online claims processing and quick reimbursement!
4

out of 5

POSTED: | BY: Carla Oporto d'Ugard

Quick wellness claims but delayed medical and illness claims

They have good knowledgeable customer service. Call take time usually I have to stay on the phone for a while before reaching someone, I often try both, online chat and the call and try my chances. You have to pay upfront and then wait for the claims to be processed at times 30 days+. Wellness claims process quick. Overall it is ok… just wished the claims would not take that long considering I have to pay upfront and have a zero balance in order to process the claim. I would also appreciate that the copay would be based on a percentage and not an amount we are meant to reach on a yearly basis… before we start seeing some money back.

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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