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.
2

out of 5

POSTED: | BY: Gabrielle Nemes

Very slow; claim denial without explanation

We have found PetsBest to be very slow in processing claims .. over a month. So far, the two claims we've submitted have been applied to deductible, with the exception of a portion of one claim that was denied with the explanation: "services claimed do not meet policy provisions." This was for a blood panel workup -- "comp panel - lytes - CBC in house". Nowhere in the policy are "provisions" stated. We have no idea why the claim was denied.
5

out of 5

POSTED: | BY: Gregory St Pierre

Our experience with Pets Best is…excellent

Our experience with Pets Best is wonderful, I summited wellness claims for my pet and they reviewed them quickly and direct deposited the money into my account within 3 to 5 days after review,they are a excellent insurance company to work with.
1

out of 5

POSTED: | BY: Bo Anthony

Review would be rated lower if possible

This company started out being just "ok". They were kinda stand-upish but now I think they’ve just clumped with other businesses as money hungry leeches that prey on the needs of the community. We pay the price to receive less than service and no to minimal payout. They have every excuse in the world as to why they either can’t pay you soon enough, or at all for that matter. Your much BETTER OFF saving those dollars as if you were paying insurance. At least it would help you to avoid needing reimbursement that you WILL NOT receive. Theyll say your pets issues are already present so they won’t pay, even with proof. They will take MONTHS to reply for your claim. Yes we all know COVID is here. That doesn’t negate the fact that you have a business to run. Is COVID not n issue when you take our funds so swiftly monthly? Is it not an issue when you send notices for late payments in a matters of days? They have a team for every little Avenue until it comes to paying you. Not only that, the coverage used to actually cover things. Now it’s simply car insurance. Keep it until you need it no hope that never happens because the deductible are so trash that you may as well just pay out of pocket and be pleased with that. I pay thousands a year to receive a under 400 hundred back on $3k plus claims… you do the math lol. SAVE YOUR MONEY AND BECOME YOUR OWN LENDE4. These people will rob you blind. And never reply…unless they feel attacked lol that how you know a company is bad, they only reply to try and save their good name but not when it counts as far as service. I’m starting to think there’s only a team of 10 running the show.
5

out of 5

POSTED: | BY: PATTI R.

Claim Submission

Had submitted claims for my Golden and received notification both times that it was taking longer than normal for processing. I always appreciate the updates. I know that they are still working on my claims
5

out of 5

POSTED: | BY: Leah

We've never had pet insurance before…

We've never had pet insurance before and Pets Best has been a great experience. I love being able to submit my claim via the app and check on the status of a claim. I like how money is deposited directly into our bank account and we don't have to wait for a check.

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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