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.
1

out of 5

POSTED: | BY: Rob Shapiro

Non Transparent Liars

Pets Best is just like all other insurance companies, they are not transparent and they shamelessly lie. Their business model is to take your premiums and then deny claims. When you call customer service they treat u like an idiot. AVOID!!!
1

out of 5

POSTED: | BY: David Bender

Dissatisfied and Unhappy Customer

I am a customer that has been loyal for many years with my pets. I faithfully paid my premiums on time every month for years, never really using the benefits. I submitted a claim for over $480 for my pet who we suspected had cancer. Vet confirmed no cancer and did bloodwork and a biopsy. I submitted my claim two days later. After about a month, I followed up to see what was happening, as my claim said t was received and not processed. I called customer service and the rep said all she could tell me is that we received it and could not say when it was going to process. I was not happy with that answer and wanted to speak with her supervisor. I had to leave a voice message and when the supervisor called me back, I got that it could be into April as they are behind in proceeding the claims. Upset, I said so you can’t tell me if the claim will be processed and when. I explained that I had been a long-time customer and if I was not able to pay my premiums for a few months that they would not keep me as a customer. She still said she could not tell me anything else. Mind you that I submitted the claim well before the corona virus caused companies to close and work remotely. This agency needs to start with training their customer service and supervisors how to deal with customers-especially ones that have been loyal for years and have paid their premiums on time. I really am not a fan of companies that act as it they are doing you a favor as the customer when it is our premiums that allow them to have jobs in the first place. At the very least, they could have reassured me that it would be processed and I would have an idea as to how much, if any was approved. As of now, I don’t feel as if Pets Best values me as a customer so I will be cancelling my policies effective immediately and taking my business elsewhere.
3

out of 5

POSTED: | BY: Joanbe

Payment for claims inferior

I believe the payments for treatment are sub standard
5

out of 5

POSTED: | BY: Michael McNichols

Definitely a must if you own a pet.

This pet insurance has been a life saver. The payments are easy and reimbursement is easy. The mobile app has made it even easier. I recommend anyone that owns a pet invest in this insurance for them.
5

out of 5

POSTED: | BY: Lisa

Excellent first experience

Excellent first experience. Staff very helpful.

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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