Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,152

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: TWEEDERS2011

THE BEST PET INSURANCE!!!

This is absolutely the best pet insurance any person could have. Pets Best stands by their word and I am so happy with my plan! I love the Vet Dr.'s that you can call if you have any questions and they take care of your claims in a very timely manner! Hats off to Pets Best!!!
5

out of 5

POSTED: | BY: Amanda Rowe

Easy to submit my claim and easy to…

Easy to submit my claim and easy to understand the EOB!
5

out of 5

POSTED: | BY: Dawn Fralick

My experience was seamless

My experience was seamless. The response received was faster than I anticipated.
1

out of 5

POSTED: | BY: Donna Henderson

I have had this insurance since my cat…

I have had this insurance since my cat was 2. Never any claims but always paid my monthly payments for coverage. My credit card company that was on file was changed due to a buy-out. I got my new card, activated it. however, My old card was to be good for another month. I tried to call also because they said that my account was past due. My older card is still in effect until next month. There is no reason for it not to be paid. I was on the wait for 2 hours to talk to someone and never got thru. What is this? I am questioning whether I should keep this insurance. I have never let it go past due at any time. This is frustrating. Covid or no Covid there must be someone to answer the phones. Online is not always the answer. Customers need to talk to someone when it is necessary.
3

out of 5

POSTED: | BY: Berrak Pinar

Overall I think it's a good insurance…

Overall I think it's a good insurance for Illnesses and Accidents. Except they really wanna find something in the past so that it can be taken as "pre-existing" condition. My dog has been to a dermatologist before we start the insurance and tested by pricking the skin. He showed allergies against dust, cat dander, some types of grass. Doctor reported as Atopic Dermatitis. Being said he had an ear infection and they didn't wanna cover it because the dermatologist report. Even though my dog's own vet don't believe it should be related, but Pets Best did. Also he gets staph infections he won't get covered, why? Because of atopic dermatitis he might be more prone to get staph infection. Not to mention they covered his cytology tests twice before but then stopped covering it. I also don't recommend their Wellness plan, If you live in an urban big city. Your bill is higher and the coverage is worthless as in whatever discount they offer in the plan. It's literally the total sum of your year long premiums. Other than that they are good. I do recommend them. If you get your pets insured as they are puppies you won't come close with any bumps on the road with them. Update: Dear Miss or Sir, I know the difference between insurance and a plan. I made my review very clear...We appealed twice with our vet's letter, thank you very much. I have a license as insurance adjuster so thanks.

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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