Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,884

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: Linda Ryder

Took repeated submission of data (which they did not bother to read)

Claims requested they need more information so I contacted them and submitted the requested infodrmation. ] Again I got a request for more information. I spoke with a supervisor and AGAIN submitted requested information. AGAIN got a requst for more information. Spoke with another supervisor who said that CLAIMS had not yet looked at what we (supervisor and I) had submitted. AGAIN I got a request for more information. I BEGGED THEM to look at what had REPEATEDLY been submitted. Absolutely disgusting.
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5

out of 5

POSTED: | BY: Marie Anderson

Stress free coverage

This company has made it stress free to get health care for our terrier, even with multiple visits. Their communication, coverage and clarity makes easier to face animal health issues.
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5

out of 5

VETERINARIAN: Bouton Veterinary Hospital

POSTED: | BY: Karen

Panda and Maui

"Pet's Best has been a true partner. I rescued Panda from a shelter when she was 6 weeks old and bought Pet's Best right after for both of our dogs. Panda has lots of energy and loved her ball more than anything so we played a lot of ball. Maui was older and only has 3 legs so I anticipated he would need some ongoing care which is why I looked for insurance to begin with. Turns out Panda was the special girl in our family. We found out she has only one working kidney after a bout of acute colitis - she has a super sensitive stomach and gets stressed out easily. When we went in for an annual check on kidney function she had been sitting weird and I asked them to take a look and seemed to have trouble getting up and laying down. She was diagnosed with bilateral CCL tears which would require surgery so needless to say - LOTS OF CLAIM EXPERIENCE and Pet's Best has done an amazing job of processing claims timely and paying as expected. I really don't know what I would have done without coverage for Panda and Maui. We will continue to be loyal customers. "
1

out of 5

POSTED: | BY: Aria

Pets Best reduces your invoice amounts without consent

The line item amounts on my EOB did not match my actual veterinary invoice. Pets Best reduced 4 items by a total of $130 without my consent or explanation. Please process claims based on the actual invoice amounts as stated in your own policy terms. I have already filed complaints with the California Department of Insurance (CDI) and the Better Business Bureau (BBB) regarding this matter.
5

out of 5

VETERINARIAN: Westside Animal Clinic, A Thrive Pet Healthcare Partner

POSTED: | BY: Caitlin

Easy, Fast, and Stress-Free Claims with Pets Best

Pets Best makes it really easy to submit claims. I usually complete the process right from my phone while I'm checking out at the vet, which saves me a lot of time. The app is very user-friendly and straightforward, so I don't have to worry about complicated steps or paperwork. Overall, it's a quick and convenient experience that makes handling claims stress-free.
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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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