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.
4

out of 5

POSTED: | BY: KLem

Glad I have it.

They have been always good on getting a check to me quickly and their chat forum has been very helpful. So far, I am glad I decided to use them. The price is a little high but still glad I have it.
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1

out of 5

POSTED: | BY: Jennifer Alexander

I am very disappointed with PetsBest

I am very disappointed with PetsBest. For years I had policies for my 2 dogs. I have never used the insurance never having claims over the $500 yearly deductible. The one time I needed to use the insurance after waiting several months for them to process the claim they denied it. It was not a pre existing condition. When I initially called them about it they said most likely all of it would be covered come to find out none of it was covered. It's sad to pay out all this money each month, and have a claim not covered for things like a broken tooth my dog had fixed. When I called them and told them I wanted to cancel they didn't seem to care. They wouldn't look into anything. A friend of mine who has been using PetsBest for 7 plus years said he to has been having issues with them and waits months to find out they denied claims.
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5

out of 5

POSTED: | BY: KARENANN PROVOST

Excellent Customer Service

My claim was processed in a very quick manner. I received an email indicating that due to high volume of claims, there may be delay in processing the claim. However, I received payment shortly thereafter. - I fail to comprehend the negative reviews. From my filing my claim to completion, the service was excellent. -
5

out of 5

POSTED: | BY: Kevin Breen

Pets Best is the real deal

Pets Best is the real deal. They cover what they say they do, and pay claims promptly without hassle. We will continue to use them because they have taken care of us over the last 5 years. It is even easier now using the phone app to send in claims.
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1

out of 5

POSTED: | BY: Matthew Craig

claims take 30 days promised 5 days

Slow claim processing over 30 days. Promised when purchased 5 days would not recommend to friends
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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 Pet Insurance detail
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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