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.
4

out of 5

POSTED: | BY: Ryan Brown

Overall good experience but the speed…

Overall good experience but the speed of the claims process could be faster, it took a long time to receive an explanation of benefits and the reimbursement.
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4

out of 5

POSTED: | BY: Sheila (Sammie) Burch

It's always good

It's always good, fair etc. Just a little slow these days but I guess that's a sign of the times.
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1

out of 5

POSTED: | BY: Celina Lozano

Long processing time, and they will find a way to not cover you

pets best usually takes more than 30 days to process the claims. And they will look for a way to not cover them. My dog had some kind of dandruff when she was little, before we got her policy, it was caused by excessive bathing at the moment. And now pets best is saying that she had pre-existing allergies eventhough she was never diagnosed by a professional, and they refusse to cover any problem she can have in her skin, it doesn't matter that it is not the same problem, they always say it's because of her preexisting allergies, which she does not have. I have appealed a couple of times (which by the way is just a waste of time), even with a letter from her veterinarian saying that she is not diagnossed with allergies, and apparently the process is useless. I do not recommend this insurance. Unfortunatelly, I'm stuck with them because my dog was diagnossed with hip dysplasia a couple of years ago, and that would be a pre-existence if I switch to any other company. By the way, there's no way to increase your coverage, the only way is to cancel the policy and buy a new one, which would consider anything (anything that you had taken you dog to the vet for) as pre-existing.
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5

out of 5

POSTED: | BY: Susy Callihan

good experience

Everything was great and as expected, it just took a little while to process over a month.
1

out of 5

POSTED: | BY: Steve Cosentino

Too long to process claims

They promised the claim would be process within 15 to 29 days. It has been has been 37 days and no updates. I have $2,700 in expenses and I haven’t received a dime. No feedback. If I don’t get my claim processed soon I will get all my premiums back plus legal action. I have had better pet insurance from another company and it looks like I need to go back.
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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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