Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,162

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: Dan W.

Buyer Beware

A year ago, I purchased what I considered to be a major medical policy for my 3 year old Golden Retriever. The terms were $1000 annual deductible; 90% payment; and unlimited dollars. The month before the expiration of the first term, I received a declaration page for automatic renewal. The policy premium increased by about 30% and the original discount was reduced from 10% to 5%. I have filed NO CLAIMS. I expected some increase in the renewal policy, but I did not expect a 35% increase. After some long waits to talk to a customer service rep, I was told that age, price increases in vet costs, etc.were the reason for the 35% increase. I was told that increases could be expected each year that the dog ages. While I expected some increase, I did not expect, nor did I believe it was reasonable, to experience a 35% increase having filed NO claims. My final thought -- prospective buyers should be better informed about the large premium renewal increases year to year.
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1

out of 5

POSTED: | BY: Ina Mae

Reimbursement takes a month or so

While the cost is low and benefits are good the reimbursement wait time is far too long. The whole point of getting coverage is to help with vet costs. It really puts the customer out of commission with finances especially if said customer relies on a once month paycheck from disability.
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3

out of 5

POSTED: | BY: Ina Smith

Claims are 25-35 day wait

I believe the point of insurance is not to worry about financial hardship for your pet. Claims takes too long and the excuse is that people are adopting pets and there is not enough staff to process claims quickly enough. I will be finding a new insurance.
4

out of 5

POSTED: | BY: SED

Reasonable premiums, long reimbursement wait time

While the premiums are more reasonable than most comparable coverages, the customer service is lacking (you can tell even in the customer service responses on here.) It also takes way too long for reimbursement. I understand you state it takes up to 39 days but that doesn't change the fact that it is too long especially when payment needs to be made in full up front to the vet. My other pet has a different company and claims are reimbursement within a week on average and their customer service is stellar.
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1

out of 5

POSTED: | BY: Susan

Terrible customer service and payout

Terrible customer service. Quick to take your premiums but slow to process claims. I kept it for a year and after two yearly checkups, vaccinations, bloodwork, heartgard and flea meds I have only received $125 total. I rescued her last March with no previous medical records. She had an injury that required surgery in July. They said it had to have been a pre-existing condition and paid $0. Now at the first policy renewal they are increasing premium by $8 a month. I submitted my cancellation and know it will be a huge runaround. Terrible coverage. Go to Nationwide. I don’t know why I tried a new company for my new dog.
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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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