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: Lisa Mitchell

I have had to file two claims and found…

I have had to file two claims and found the customer service is excellent. They processed my claims quickly and kept me informed of where they were in the processing. Thank you for caring about doing a great job and providing wonderful service. I highly recommend them!!
5

out of 5

POSTED: | BY: Donna Murtaugh Doran-Bambery

HAPPY, HAPPY, HAPPY

Very, very happy with Pets Best. Very nice website that's easy to navigate. Very fast payment of claims. I've made the right choice in selecting Pets Best for my pet insurance.
5

out of 5

POSTED: | BY: Maria Ruiz

Easy to use

The website is easy to use and I was able to submit my claims very quickly. No complaints from me.
3

out of 5

POSTED: | BY: Geoffrey L.

Some truths that I’ve experienced

INTRO: I try to never write negative reviews, but this just has to be presented at least so they can make some changes, if possible. I can’t give too low of a rating because I have had good experiences overall, but in this new year it’s really been tough for me to see any of the prior positives. BACKGROUND: I’ve been paying this insurance for a few years now, and honestly it was great. I didn’t file many claims, if any really, and the ones I did file got handled well. In truth, I spent more on the premium then I spent at the Vet. But that’s how it is with insurance sometimes; so no harm no foul. MIXED EXPERIENCE: Until this year, when our pup got sick. Calling for a rep takes over an hour every time! If you don’t believe it you can literally just call the line yourself. Walk away for 10 min and for the most part expect to hear the elevator music still playing when you get back. I get it, a lot of places are short staffed, but that just means treating your customers in a positive manner and making them feel like they matter when you are able to finally get to them. Needless to say my claims kept getting closed (denied) simply because they say they can’t read it. Decided to get more documentation from the Vet, and walked a representative through everything. A few weeks later checked and it was closed again specifying inability to read. How is that possible when we spoke and everything was agreed upon?! Called them back again to ask about this and literally, in oh so many words, got told “go figure it out it’s not on us”. Wow. I’m not sure what was happening with the rep that day, but waiting for a rep for an hour and to be talked to in such a manner was horrendous! Asked to speak to a supervisor and was told in many words, “Yeah, sure someone might call you in a few days, need anything else?” Another WOW! Also, never did get that call back, so I gave it another shot and got a rep that truly was positive and I really appreciate her assistance, and also putting in a note about my last experience. I hope we can get back to a good place. MOBILE APP: The mobile app is basically a browser, maybe? It’s not the most intuitive, but it’s functional so it’s whatever. FINAL THOUGHTS: May be worth a try, but be very wary of the things that were outlined in my experience since it seems that it is a reoccurring theme with a few of the negative reviews. Also, I did enjoy my experience with two reps Penny and Shea. I hope they are well taken care of! They are assets to the company.
4

out of 5

POSTED: | BY: Dennis

This as been an excellent investment in…

This as been an excellent investment in our dogs future and well-being. All insurance companies have their reason for "D/Q'ing a submission and mostly for a good reason So far, most of opur claims have met met with a fair reimbursement. Excellent services.

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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