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: Tracy Carter

Highly recommend!

I have been with Pets Best for 6 years, covering 2 of our cats. I have been truly impressed with their claims processing. They have covered a significant portion of claims I’ve filed, without question. So easy! Their web portal is extremely user friendly. I have needed to call regarding a claim and received excellent customer service. Highly recommend!
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5

out of 5

POSTED: | BY: Donna M Reiss

Reasonable rates with great coverage

Reasonable rates with great coverage. Super easy to file a claim. Would recommend Pets Best to anyone looking. Our baby was diagnosed with medial luxating patella in both legs requiring surgery. Pets Best has provided excellent coverage so far. Surgery was a success, now in after care.
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2

out of 5

POSTED: | BY: JT

Not Recommended

Next year I'm going to switch back to Healthy Paws. They might be the slightest bit more expensive, but they are SO kind, accurate and quick. Customer Service provided incorrect information the first time I called, so I was of the impression I would be reimbursed for a vet visit, only to find out I wouldn't be due to the time frame. Then, to top it off, the condition I thought my pup would be reimbursed for was then considered a 'pre-existing condition' and wasn't reimbursed at all. I've paid more out of pocket PLUS the deductibles PLUS the portions not covered PLUS the monthly payment. The 1 time I have been reimbursed, it wasn't fully reimbursed and it took over a month to receive just partial payment. When I called to smooth this out, the lady did nothing to resolve the mistakes made on their end and instead kept apologizing in the oddest way. I thought maybe she was confused that my pet had died and I had to ask her why she was apologizing, it was an uncomfortable phone call. Pets Best is by no means the worst experience I've ever had, that's why I don't mind finishing out the year with them, but the amount I have paid out anyways just isn't worth it.
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2

out of 5

POSTED: | BY: Ursula Judish

I submitted a claim for my dog on…

I submitted a claim for my dog on January 27th and it wasn’t completed until March 5th. I called twice and also emailed twice and was informed we will get it processed as soon as possible. They have no problem of taking my monthly premium, but it takes forever to get a response or reimbursement. I’ve had a policy with them for 13 years and this will be my last one. Every year my policy goes up from $30-$55 each month.
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2

out of 5

POSTED: | BY: Alex

My honest review of PetsBest

Just 2 stars. I wish I can rate more then 2 ... I lost my buddy in April last year, painful loss for my entire family. He was covered by Nationwide (former VPI) health insurance and they do have max payoff coverage. When we rescued new pup I stated shopping around and got blinded by all good reviews and promised service. Sure enough I was on a cloud after they processed all our beginning claims in 2-4 days paying 90% as they promised. Now I back to reality - all they do ON TIME is grab your insurance payment. Everything else? Well , my last 5-6 claims delayed 15-20 days and most changed from Medical claim to Wellness claim , sure enough Wellness claims not paid because max amount already paid. I guess time to go back to Nationwide or shop around... PS. Only real best part - phone consultations with vets , if you need urgent vet care or opinion, they really great helping you, thank you at least for that.
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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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