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.
1

out of 5

POSTED: | BY: Julia Heriford

This may be the worst pet insurance…

This may be the worst pet insurance company existing. Notice all the previous reviews were "invited" to review, so here is my honest personal experience. Our puppy ingested something toxic in our laundry room leftover by previous tenants that we rushed him to the ER for October 2nd. We submitted the claim almost 60 days ago and my portal still says "waiting on vet info" which is incorrect since I went into my vet's office and watched them send it over. When I asked PetsBest they just said their portal doesnt update properly (then fix it????). It's Nov 23rd and they said they still have no decision and we likely wont even get paid close to what should be covered. Not even 2 weeks later our vet gives us a prescription to treat our puppy's stomach illness and PetsBest denies the claim saying it was "preventative" so we had to submit an appeal and have our vet manually write that the medicine was used to treat our puppy rather than prevent. We still have not heard back from that a month later. Not to mention the 14 calls I have made (I keep a call log) have an average wait time of 47 minutes.... this insurance company is a joke! Please save your money.
5

out of 5

POSTED: | BY: Kelly Nordstrom

best most amazing insurance company…

best most amazing insurance company ever...i will never use any other insurance company, everything that has happened to my pets, Pets Best Insurance has come through and pretty much saved my life while I am saving my cats lives...thank you so much...
1

out of 5

POSTED: | BY: Taylor

They make it seem like they will cover things, when in fact, they don't.

I bought this insurance because it seemed as though they would cover a wide variety of things. After purchasing a year's worth of insurance at once and filing a claim a bit afterwards, I had to wait for over a month to hear anything about my claims. My vet sent over my pet's records, and Pet's Best said they were waiting to receive it for a while, so I had to wait longer for it to get sent again or for it to go through, I don't even know what happened. Once I received a verdict, it turns out EVERYTHING was denied, including things that I was lead to believe would be covered, like wellness exams. Some things made sense, like certain supplements and what not, but everything? It appears that they don't cover anything at all unless things fall into place in an incredibly specific way, which is really unrealistic. Also, if your pet is over a certain age, you're doomed, this insurance is useless. I regret buying this insurance and don't recommend it to anyone.
5

out of 5

POSTED: | BY: Tiffany McEwen

Great Pet Insurance Company!

I’ve been extremely impressed with Pets Best! The ease of filing a claim and getting payment has been a lot easier than I expected. I’ve had to file several claims over the last 2.5 years that my dog has had this insurance and the process has been flawless!
5

out of 5

POSTED: | BY: Brooke

Simply the Best

After searching through reviews, and pros and cons for several pet insurance options, we landed on Pets Best. Our kids had been begging for a pup for years and it was the only thing on the Christmas list complete with dog food, a dog bowl and a pooper scooper. We found ourselves at a cross way and (reluctantly) gave in. I’m typically not one that purchases additional services if there’s a chance they won’t likely be needed but I’ve heard too many stores of puppies needing surgeries for eating something they shouldn’t, so we intended to keep the insurance for one year. Everything was great until we took her in to be spayed, she came out like a different pup. She wouldn’t sit on her rear, didn’t have much energy, each day that went by was getting worse. We finally switched Drs and found out she was in kidney failure and wasn’t sure she was going to make it. The local vet tried to do 24/7 fluids to force her kidneys to flush the toxins but she barrel rolled and pulled out her IVs. Since they weren’t staffed 24/7 and not able to trust her, I drove her 2.5 hours to the nearest emergency vet clinic. There she was diagnosed with Renal Dysplasia, we were told to put her on expensive food and she would need to have fluids frequently... as well as the fact that she will likely have a much much shorter life. Pets Best had been phenomenal in reimbursing every single claim I’ve put through, in the past six months since being diagnosed we’re close to or have exceeded five thousand in claims. They have reimbursed for every single one. They would have even paid for a kidney transplant (pre-approved), however that wasn’t an option in our case. I truly can’t say enough good things about Pets Best.

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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