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.
1

out of 5

POSTED: | BY: Ivon Lopez

I’m disappointed at the way my…

I’m disappointed at the way my submitted claims have been handled by this company. I submitted a covered wellness claim for a dental cleaning almost two weeks ago and instead on working on that larger return of $150 dollars first, they decided to work on a smaller claim of $12.50 submitted after the first claim. Are they waiting to get $150 worth in premium payments from me first? They should have worked on the first claim. ** UPDATE: I found out that my claim for a wellness dental cleaning was processed as an “undiagnosed illness-acute.” When I asked why is a dental cleaning considered an “undiagnosed illness”? They said there was an extraction. Meaning they’ll deny the claim because there was one extraction. That extraction will be considered a pre-existing condition, which means they’ll deny my claim. Do you see how they get you?! These are the little clauses that are not mentioned in their policy when people are signing up for insurance. People beware!!! This company is notorious for denying claims by using the “pre-existing” excuse. Stay away from PetsBest! I canceled before they take any more money from me! **RESPONSE: The extraction was NOT illness related; it was a broken tooth I asked the vet to extract while a routine cleaning was being done. You cannot assume these things to determine payment on claims.
4

out of 5

POSTED: | BY: Chet P

Thanks for handling claim promptly

Thanks for handling claim promptly. It seem in the past that there were delays in doing so. Chet
5

out of 5

POSTED: | BY: Danielle Lopez

The customer service team overall…

The customer service team helped me every step of the way. I called intially to make sure my coverage started for accidents. I couldn't believe I had to issue a claim within the first three weeks of policy. Although I was hold for over an hour twice to get my questions answered, it was a great phone conversation. Following week to understand how my claims were being handled, was also great conversation. I had to file three claims before the first one processed. All in all great experience so far, even though 10 claims in first month of policy was overwhelming. Your team is helping me through it.
5

out of 5

POSTED: | BY: Amy Pronovost

Thankful for the coverage from Pet’s Best

We were able to get the best healthcare possible for Scotty because of the coverage we had through Pet’s Best. They paid all of our claims.
5

out of 5

POSTED: | BY: Cindy Olschewsky

Thank you Pet’s Best for always being…

Thank you Pet’s Best for always being timely with your communications with me (ie letting me know you’ve received my submissions, clearly explaining when I did or didn’t get reimbursement). Thanks too for your quick payments!

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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