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.
2

out of 5

POSTED: | BY: Bob Salvato

I attempted to reach Pets Best by phone…

I attempted to reach Pets Best by phone and was on hold for over 45 minutes and hung up at that point. Only way to reach the company was by "chat." Very hard to explain issues through chat! I was also sent an email that was erroneous saying that my claim had been closed. That was done by mistake and took quite awhile to get resolved. This was my first claim and the process was very underwhelming. The issue finally got resolved but took a significant amount of time.
5

out of 5

POSTED: | BY: Cathy Maxfield

Pets best gas been great every time I…

Pets best has been great every time I file a claim. They are quick to respond. EOBs are easy to read
1

out of 5

POSTED: | BY: Emely Fernandez

Not liking it.

I was thinking on getting a pet insurance since I got my puppy 3 months ago but with are in the middle of a pandemic and it was a little hard so I waited until blackfriday for it, on Nov. the 27th I enrolled and paid the full amount FOR THE 3 DAYS LEFT. My dog had thrown up by now but the doctors said it was probably a parasite, he started loosing a lot of weight, got diarrhea together with the vomiting and was not doing good, you could see his spinal cord so I took him to another doctor on Dec. 2nd, he suspected an intussusception and reffered me to do a sonogram ASAP, on Dec. 3rd at 8a.m. we did the sonogram and there it was, the intussusception had already damaged so much in so little time, they advised us to do inmediate surgery to remove part of the intestine. Doctor said to do that same day or the latest the day after, or else my puppy was going to pass away(painfully) so I got myself in debt with an extra credit card hoping and expecting the insurance to pay for it, some or most. Because after all it was an emergency. The answered I received? It will not start working until after 14 DAYS, what was I suppose to do? Ask my dog to not die for another week? I do not understand why I had to PAY FULL AMOUNT FOR 3 DAYS LEFT ON THE MONTH specially when if something happended in that time frame they were going to say "oops, can't pay" I should have not been charge until after the 14 days. Then insurance needs to start working as soon as I ENROLL AND PAY. When you get a vehicle insurance and you get into a massive accident the day after, if you get life insurance and die the day after, if you get house insurance and it burns the day after, they don't say "oops, can't pay"
5

out of 5

POSTED: | BY: Cheryl Johnston

Outstanding Process & Service

Just submitted my first claim. Impressed with the ease of the process and the prompt refund. Very thankful for the insurance coverage for my pets.
2

out of 5

POSTED: | BY: steve bauer

You need live operators to answer…

You need live operators to answer phone. They need to answer questions NOT direct to written material for you to research your questions-PERIOD!

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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