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.
3

out of 5

POSTED: | BY: Carlton Folster

The refund process took too long

The refund process took too long
1

out of 5

POSTED: | BY: BookBub User

update on my 1 star review

UPDATE TO MY REVIEW: I got a message back basically telling me what I was told before....I will have to rewrite the policy if I want office exams included in the one that does not now. Doing that would me I need to do all the wait times again... MY ONE QUESTION is WHY if I have 3 BestBenefit plans for 3 dogs is office exams included on 2 and not all. I DID NOT SELECT THIS! I would like to talk to someone but apparently I can't. Again, I do not think this is good customer service. I previously wrote a review and have had a couple days to think about it. I decided I would write exactly why I wrote the 1 star review hoping a supervisor or manager will see it and maybe I can get some help. I have 3 pets, all on the BestBenefit plan. While reviewing the renewal declarations page I noticed that only one of my dogs officevists/exam fees were not covered. I called and questioned this and after speaking with one rep. she also agreed that there was no way of me selecting that and she was going to talk to a manager and get back to me. When I didn't receive the call (although I was told they did call and leave a message on my cell...there was no missed calls or messages at all... ok figured they called the wrong number. So this rep said they could not change this unless I rewrote the policy and had the same waiting periods etc. I was not happy with that as I felt it could be changed by someone in management. I asked to speak to a manager and she put me on hold, came back after a few minutes and stated that the manager reiterated that I had to rewrite the policy. I then asked again if I could speak to a manager and was told " No, I already did and this what she told me to tell you." I really think this is poor customer service but as I previously stated because of the age of 2 of my dogs I cannot look elsewhere for a new insurance or rewrite the policy. Although this insurance is affordable I guess it's true..."You get what you pay for."
5

out of 5

POSTED: | BY: Jenni Swedlund

Exactly What We Expected, Will Them for 12 Years

We researched many pet insurance options before selecting Pet's Best. They had the best deductibles, coverage for the best price. We were with them for 12 years and reached the max payout for our dog's cushings disease but they also helped us with many other vet visits. The premium did increase substantially over time (started at just over $20 and ended over $100) but that seemed reasonable as our dog aged. We would recommend Pet's Best to a friend.
5

out of 5

POSTED: | BY: Tamara Heinemann

Pets Best covered everything they said…

Pets Best covered everything they said they would. I was very pleased with the ease of putting in a claim. The processing time did take a month, but it was hassle free, and they direct deposited my reimbursement into my account. I am very happy with Pets Best.
5

out of 5

POSTED: | BY: Scott Blind

Quick and easy

The claims process was quick and easy. I just uploaded the receipt from my vet, and a few days later I had an email telling me what my reimbursement would be. The money was deposited in my account a few days after that. I have already recommended them to my whole family.

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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