Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,775

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: LC

Pets best customer service sucks

Pets best customer service sucks. First, you wait on the phone FOREVER, I've waited on the phone for over 2hrs and never had a pick up. Claims will be denied for ANY reason, my dog has a hereditary condition and I insured him when I adopted him as a puppy. Pets best website claims they cover hereditary conditions. But due to a noting on my waiting period of his eyes being cloudy my claim was DENIED. They have no understanding of what a hereditary IS - meaning they are born with it and my puppy was born with this and they STILL denied the claim. Their customer service(when you FINALLY get ahold of them) is rude and unhelpful. They also didn't reimburse me the full amount for a wellness plan on my other dog and made a mistake, I had to keep calling and calling and calling I finally got ahold of someone and they said oh it looks like we made a mistake, I will submit an appeal for you. She submitted an appeal on 11/8/2020 and they reviewed and sent me the funds on 03/08/21. Ridiculous wait time, especially for this being THEIR error. Also, I had their top plans for both my pets, so I was a good cash cow for them which is MY mistake. I regret ever signing up with pets best and want to warn future customers to avoid this company at all costs.
5

out of 5

POSTED: | BY: Arthur

Always There

A very good company, I just love it and have the security when my pet has to go to the vet
1

out of 5

POSTED: | BY: fernando

Not really a good choice

I got some bad customer service, tooks more than a week to hear anything about my claim. Even though they cover visits and medication, they denied it. No point in paying for the insurance if they are not going to help pay expenses when you need them.
5

out of 5

POSTED: | BY: Karen

Do not purchase-rip off alert

I was referred to this program after finding a feral cat that I thought would need some additional care. They accepted my payments without question but within two months I discovered she had a condition that required she have her teeth removed due to an infection. The surgery was over $2000 but necessary. Pet claims has refused to pay any of the bill even though my insurance detail said it would pay 90 percent. This is like every other insurance company. They have no intention of paying anything. I do think they pay for dogs per other people I know but I have seen this issue with cats. This company should be shut down. They are always willing to take money but not willing to pay out. It also mysteriously took three months for them to decide they would not pay the claim all while they still took my monthly payment. These are the very worst types of people and companies. Frankly, I am disgusted.
5

out of 5

POSTED: | BY: Dear Customer

Pets Best has been an excellent…

Pets Best has been an excellent customer service company! We have had fast and simple resolution to all of our claims.

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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