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.
5

out of 5

POSTED: | BY: Akansha Sinha

Worst insurance ever

This is the worst insurance I have ever taken They haven’t paid a single dime on my claims and said they don’t have proper records and cancel my claim without any reason They are fraud , in every 3-4 months you get just one email saying we are processing but no new from them It’s money making business. No care for pet owners or pets Please don’t but ever this insurance
1

out of 5

POSTED: | BY: Danielle Moody

Would not recommend this insurance

This is the worst insurance...my claim started in January 2021 and it’s now the end of March 2021 and I have submitted my dogs medical records myself 3 times and they are still holding up my claims and today they said they have to call my veterinarian now for more information...absolutely ridiculous
1

out of 5

POSTED: | BY: MEB

If you like to pay for insurance and all your vet bills this is the plan for you

This company should have their insurance license removed. PetsBest will find any reason to deny claims. My dog was sick (vomiting) and I took him to the vet. My dog has no history of vomiting, the vet wanted to do a bunch of test and of course I said yes, we have insurance. Almost $500 later I get a denial saying my dog has a history of irritable bowel syndrome. First off he does not (I have copies of all of his records and no where does it say he has IBS) and second no matter what I said they continued to refuse payment. It was the most unethical experience of my life. Now I am out the $500 and all the premium I have paid for nothing.
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1

out of 5

POSTED: | BY: Amanda

horrible service and turnover rate

horrible service. takes forever.
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5

out of 5

POSTED: | BY: Leah

Loving Pets Best!

We’ve had Pets Best since we brought our puppy home in October and we have had nothing, but a positive experience. I recommend it to everyone.
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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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