Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,149

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: Naomi Keasler

Happy so far!

I’ve had this insurance for two dogs for 3 years now and have only now had to file several claims. (our poor doggos are having a rough month.) still waiting on one big claim but the first two were processed faster than initially estimated and the reimbursement was the expected amount and came very fast. Filing the claims was easy. Premiums have gone up by about $10 every year, which isn’t too bad given that our German Shepherd is now a senior. I appreciated that I was able to customize each dogs coverage when setting things up. Thus far it’s helped to make a very stressful time a little less stressful.
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3

out of 5

POSTED: | BY: Erin

It took months for a review ..

It took months for a review ... no updates with status which was frustrating.
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5

out of 5

POSTED: | BY: Ann

I have had this insurance for the last…

I have had this insurance for the last six months or so. I never had pet insurance before. I have found this to be an excellent experience - so much more than I expected. The claims are easy to file, and the resulting EOBs are clear and very easy to understand
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1

out of 5

POSTED: | BY: Jennifer Spaulding

Awful experience

Lengthy waiting times that they blame on covid. When you call and inquire you get a robotic response, don't bother complaining because they will go in and deny all of your claims at once right away so you have to go through an appeal process. Terrible customer service, over 1-2 hours on hold, and unjustified denials. THIS PLACE IS A SCAM!
1

out of 5

POSTED: | BY: Rodney Hohman

If you want to call, plan on 1-2 hours to get a person to answer the phone.

The product is fine. The service is lacking. The Claim took over a month to process and they don't have enough help to answer the phone. The shortest hold time was 39 minutes the longest was 2 hours before I just hung up.
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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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