Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,160

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: Donna De Stefano

If only I could give them a zero rating...Stay away!

They’ll find every reason to deny claims. Have been a customer for 11 years. Customer service used to be good and claims process fairly easy, but has been declining during the last couple of years, Unfortunately, my dog is too old and have pre-existing conditions so switching to another insurance carrier may not make sense.
5

out of 5

POSTED: | BY: P.M.P

VERY PLEASED

We have been very pleased with Pets Best. Submitting paid vet bills and wellness checks with meds is so easy with the app. And direct payment is always within the 5-10 day window frame from the day of submitting the receipts. We love the 24/7 vet help line and the customer service. Would highly recommend.
5

out of 5

POSTED: | BY: Bob Gluck

Weak Dental Coverage

Olivia is prone to gum disease. She needs more coverage for increased preventative care to prevent tooth loss due to abscesses beneath the gum line and a policy that covers more than one dental cleaning a year. Her teeth are brushed every day and anti bacterial treatments are applied to her gums as well. A one size fits all approach to dental coverage is inadequate and frustrating when it comes of Pets Best! Your insurance options are definitely not the best when it comes to dental care!
1

out of 5

POSTED: | BY: LC

Pets best customer service sucks

Pets best customer service sucks. First, you wait on the phone FOREVER, I've waited on the phone for over 2hrs and never had a pick up. Claims will be denied for ANY reason, my dog has a hereditary condition and I insured him when I adopted him as a puppy. Pets best website claims they cover hereditary conditions. But due to a noting on my waiting period of his eyes being cloudy my claim was DENIED. They have no understanding of what a hereditary IS - meaning they are born with it and my puppy was born with this and they STILL denied the claim. Their customer service(when you FINALLY get ahold of them) is rude and unhelpful. They also didn't reimburse me the full amount for a wellness plan on my other dog and made a mistake, I had to keep calling and calling and calling I finally got ahold of someone and they said oh it looks like we made a mistake, I will submit an appeal for you. She submitted an appeal on 11/8/2020 and they reviewed and sent me the funds on 03/08/21. Ridiculous wait time, especially for this being THEIR error. Also, I had their top plans for both my pets, so I was a good cash cow for them which is MY mistake. I regret ever signing up with pets best and want to warn future customers to avoid this company at all costs.
5

out of 5

POSTED: | BY: Arthur Zysk

Always There

A very good company, I just love it and have the security when my pet has to go to the vet

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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