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.
3

out of 5

POSTED: | BY: Andy Pawling

Coverage great but company leaves a lot to be desired

While I love the coverage Pets Best offers including their wellness plans, I find their app, site, and speed to process claims to be horribly slow and outdated. I have no way to easily track deductibles, why some items clear but others don't (no clear explanation on EOB). When you submit a claim it can take months for resolution and payments.
1

out of 5

POSTED: | BY: Alec Adams

Takes forever to get reimbursed

Takes forever to get reimbursed how many people work at pets best just 2?
1

out of 5

POSTED: | BY: Vianey

Look for options

First of all I like to say that they make buying insurance an easy transaction however all that ease changes once you submit claims. All wellness claims are processed automatically by a computer thus denies every claim, pretty much because it does not recognize that you have endorsed coverage. Secondly, you wait for hours on the phone whenever you are calling to clarify or appeal a claim deicison made by a silly computer. Then, to just be told that they will correct it and that can take up to 2 more weeks, on top of the 2-3 weeks that you have already been waiting for the initial claim decision. I am not sure what is the hold up since you are providing all documentation that most likely all comes from licensed veterinarians. I do not ever recall a company taking this long to reimburse someone for coverages that they specifically chose to purchase on their plan. Please look for options before choosing to settle for PetsBest. Sorry for the long review, but until the correct these issues, I will be an unsatisfied customer.
1

out of 5

POSTED: | BY: B Carby

The worst

I hear this was a good insurance for your pet. OMG NOT, I have a few Vet visit for her shots and heart worm meds. I got my dog in May/2020 and still they have not given me my money for the claims. I have been paying $44 plus dollars every month. PLEASE do not use them. Its a scam, they do not reimburse you at all.
5

out of 5

POSTED: | BY: Kate Bond

So far it's been easy to work with…

So far it's been easy to work with Pet's Best. I use this company b/c a friend whose dog had an expensive and difficult diagnosis and treatment had excellent service. So far my pup has been pretty healthy.

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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