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: Tameka Kelly

I love Pets Best

I love Pets Best. The claims are processed on time and they live up to their word in regards to the reimbursements.
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1

out of 5

POSTED: | BY: Vanessa B

Would not recommend

I really wanted to like this company but they are extremely slow at processing claims and will have you on hold easily for over half an hour just to talk to someone on the phone. Their breakdown of a processed claim makes absolutely no sense, and they encourage you to call them if you have questions, yet they have you on hold so long that it turns the whole thing into a huge hassle. Their phone representatives are really nice though so I'll give them that. However when comparing the experiences to my other dog's insurance where you talk to someone in less than 5 minutes and claims are processed fast, i would not recommend Pets Best. Before this experience I recommended Pets Best to my brother who ended up insuring his dog with them, but hopefully he will have better experiences than I've had.
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5

out of 5

POSTED: | BY: Toan Ta

Extremely easy experience from start to finish

Everything is as easy as I expected when I brought my 12 week old puppy for his second round of vaccinations. I was not sure on what was covered so I sent in screenshots of the invoice from the vet and Pets Best looked it over and told me what was covered and what was not (with an explanation of why it wasn’t). Took about 2 weeks from the submission date to payout date. An extremely easy experience all around.
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3

out of 5

POSTED: | BY: Chris Geary

They need to hire more help.

Claim process is often take longer than it takes me to get my credit card bill. There are long waits when you call in. And the mobile app does not work very good on my iPhone 6.
1

out of 5

POSTED: | BY: Teah Reichard

bad customer service

Our dog came down with an eye condition that my vet felt was an auto immune disorder this was after we bought the insurance the insurance company requested the dogs medical records to ensure it was not pre-existing which I completely understand however my vet tried sending over the information twice by fax and showed me the fax confirmation pages and they kept continuing to claim they didn’t get it so my vet gave me the records I scanned and uploaded them to the claim and they still denied it saying they never got them very frustrating and when you try to call to get an answer you’re on at least a 45 minute wait no vets office that I am aware of can sit on the phone for 45 minutes trying to get through to somebody
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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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