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: Arlene Feustel

Fast and easy

I got my direct deposit in about a week. Very easy to make a claim.
5

out of 5

POSTED: | BY: Catalina Suarez

Very satisfied

Very satisfied! For as long as you provide paperwork requested, you should have no issues. I recommend this pet insurance.
4

out of 5

POSTED: | BY: Doug W

Great choice of a company .

I recently just insured my rescue dog with Pets Best . Within a week he had a vet appointment for a checkup . Filed a claim and within a week I was credited $$ back on the bill . So far it’s been super easy to file a claim , no hassles and fast payments . 🐶 Bruno the bloodhound approves !!
1

out of 5

POSTED: | BY: Christine Chase

Bware scam artist…

I purchased pet insurance for my pet and they had NOT paid any claims apparently allergies are a pre-existing condition totally unbelievable. Many pets are being adopted during the Covid crisis and unless you have had your pet since they were born NOTHING is covered. This is the biggest SCAM artist to date. DO NOT USE THIS COMPANY!!! They will only steal more of your money. I bought the Wellness policy only to find out that they still will not reimburse a covered expense for teeth cleaning. Excuses, Excuses people want service not pathetic excuses. What the company does NOT tell you is that EVERYTHING is an exception and NOTHING is covered. Pitiful excuse only exemplifies the problem with this company.
2

out of 5

POSTED: | BY: Ally

Awful customer service received on 18 August 2020

I submitted a claim for one of the two pets covered thru this insurance. The second claim came back right away and the one I submitted first was not therefore I called to follow-up. The individual that took my call explained that it was taking longer because it was an illness claim and not a wellness claim. I advised this individual that it was a wellness visit. Then, the customer service rep advised to wait a few more weeks. A few days after, I received an email stating that the visit was not covered. I called once again and spoke with Cheryl. She explained that this was received as an illness therefore I had to appeal. I submitted the appeal however, I had another email stating that there was a change on this pet's policy. I called the insurance and was on hold for approximately 27 minutes. Then, I spoke with Reggie. I explained why I was calling and he told me not to worry about it and file the appeal. I then told him that I filed the appeal and the reason I was calling was to ask a couple of questions on an email that I received. It was obvious that he did not want to listen to what I had to say. He did not seem interested in helping me out. I asked about the email received on Monday, 17 August at 6:58 am and he said not to worry because there was nothing in the system about this email that I was referring to regarding my one pet's policy. I was explaining that I had other questions regarding the policy and as I was trying to explain what I was referring to, Reggie hung up. I am very disappointed the way this was handled. Bottom line, I tried to write this review as best as possible without going on and on. I am pleased to say that after Reggie hung up on me, I called and spoke with Maya. This lady was very professional and asked for my policy number which the previous customer service did not. Maya took the time to listen to why I was calling. At the end of the day, I do not plan on keeping my pet with this insurance. I believe that customer service is very important. I understand that we are going through some difficult times however, does that give the customer service representative a right to hung up on the customer? Hope this helps in deciding what pet insurance is best for you and your pet. Thank you.

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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