Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,789

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: K

Poor Communication, Poor Claims Coverage

Extremely poor communication. Would just send rejected claim after rejected claim, leaving 14k from an extended sitting in limbo for months before rejecting a claim. I would have to call weekly (waiting 1-3 hrs on hold on their phone line because there is no email or chat communication...) and then go through 3-4 reps to get the status of my claim(s) and argue myself why the extensive evidence provided by my vet for my cat's medical records. I have paid over $50 per cat per month and honestly have had less than $400 of over $20k of claims covered over the years. My visit with the vet prior to the insurance kicking in had a complaint of vomiting on the record, which has lead to rejections of health claims ranging from liver infection to (I kid you not) a torn claw. I know you have to fight insurance frequently to get coverage but even the process to get a claim status is extremely time consuming and painful. The app is also very poorly written, buggy and crashes frequently, resulting in duplicate claims or missing information on claims which is another 2-3 hrs of waiting in a phone hold line to fix.
5

out of 5

POSTED: | BY: roberta abreu

So far so good.

So far so good. I have had a good experience in all aspects and I am very satisfied. Highly recommend.
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5

out of 5

POSTED: | BY: Judy

Very satisfied with service.

Very satisfied with service.
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4

out of 5

POSTED: | BY: customer

I’m happy with the service and customer…

I’m happy with the service and customer service so far!
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1

out of 5

POSTED: | BY: Shaun

Don't Expect to Have Anything Covered, or to Hear Back in Any Time Frame

We have had Pet's Best for ~1.5 years and have made 3 claims thus far for our puppy the same age as the policy. At this point, I have no clue what Pet's Best actually covers and beginning to ask myself why I even have insurance through them. It takes over 6 weeks to get a claim through! During that time, no communication of the status, even if you try to reach out. When the claim finally goes through, the explanation of what was covered and what wasn't is abysmal, not to mention the fact that they cover next to nothing. 3 claims and they have covered ~10% in total. We have the BestBenefit - Unlimited Annual Limit and the EssentialWellness coverage. In our pup's annual check-up and vaccination, they did not cover the Influenza, Bordetella, Borrelia (Lyme) or Leptospira vaccines. At this point I'm paying Pet's Best to file claims and tell me more than half isn't covered.
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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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