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.
3

out of 5

POSTED: | BY: Nate Wesley

Slow reimbursement

Covered most of my claim. Took 40 plus days to process though. Do not get this service if you need your money back quickly. My claim was very straightforward and could have been processed in minutes if they wanted to.
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2

out of 5

POSTED: | BY: Vickey Vittes

Slow to process, slow to pay, don't investigate fully.

They denied my first claim out of hand, without paying attention to what the claim is actually for - which is a completely new condition, contrary to the preexisting condition they assumed the claim was for. I'm now filing an appeal for this claim. They took 6 weeks to pay on a Wellness claim for a $30 medication, after initially being unable to locate where the payment had gone to. Super slow in processing and paying out Wellness medication claims, despite advertising on their site that they "strive to make their claims process fast and easy" and you will "get cash back, fast". The 8 stars are for the very nice and helpful customer service people on the phone - at least they've got THAT going for them. I'm shopping around for another company right now. I wouldn't recommend them.
1

out of 5

POSTED: | BY: John Hudson

Will claim to reach out to your vet for records (and don't) and then deny your claim

Pets Best has denied multiple claims of mine with a note that says they reached out to my vet "numerous times" and could not get the information they needed. After a quick call with my vet, I learned that they did not have a record of Pets Best ever reaching out and they immediately sent the info I needed for my claims. At this point, customer service has told me that they will reopen my claims, but I haven't heard anything for weeks. They seem to look for any excuse to deny a claim for covered issues. I highly recommend that you look elsewhere.
4

out of 5

POSTED: | BY: HMICS

It just takes much longer than said.

It just takes much longer than said. The wait before I get reimbursement was almost a month. Wish they could work faster.
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5

out of 5

POSTED: | BY: David Aycock

Reimbursement

I turned in a receipt for a flea and tick collar. The money was in my account 3 days later. Fast and easy.
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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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