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: Jennifer Bourne

Pets best is just that!

I am very skeptical about pet insurance. I went with Pets Best because they were 1/2 the price of my previous insurance, 1/3 of the deductible, and paid 90% as opposed to 80%. This being said, I was even more skeptical. I hd two separate claims, fairly close together-most places would make you do separate claims-not these guys. It was so easy to do, my Husband couldn’t believe it either. Samson was only 6 -not young for a Mastiff, but not old either. He was not acting right, we took him to the first vet at $400. A month later he was acting as if bloating, took him in, had surgery, and he never came out of the anesthesia 😞💔. Many thousand later and VERY FEW, VERY pleasant phone calls later, we had a check. I called back to cancel his policy (I forgot with all my grief,) the man on the phone said how sorry he was for my loss and that they would be sending me my last payment back! This is one of the last, true, honest, amazing companies left in this country! They paid everything that they said they would and then some. I am a customer for life-as are many of my coworkers, friends, and dog associates, which are many. Thank you Pets Best, you made my grief so much more tolerable! Keep up the good work and God bless your sweet costumer service people-they ROCK! ❤️❤️❤️
1

out of 5

POSTED: | BY: Stormie Souter

NOT RECOMMENDED FOR ANY REASON

I have been waiting 5 months for my first claim to go thru. Claim was filed October 24th, 2019. My vet has sent over my cats file several times and they state they have not received it. Now I’m being told it will be another 30-45 days. I’m absolutely disgusted with this company and will never recommend to anyone else.
1

out of 5

POSTED: | BY: LINDA

Worst customer service and claims processing.

When I sent an email in asking why my 2 claims from a month ago were still not processed I got no response.I called and was told that they have been expanding their company and were trying to get everyone up to speed..I asked to speak to a supervisor and was told that she didn't have one.I MEAN REALLY.......I called back and did finally get a supervisor who basically told me the same thing and could not tell me when claim would be processed.I will be canceling this policy and looking elsewhere .They really need to change the name from Best Pet to Worst Pet .....
1

out of 5

POSTED: | BY: Bob

30-40 Days for Pet's Best to Service a Claim (That's what they just told me!!)

1. Pathetic Amount of time to reimburse for claims. Today I submitted a simple claim and the web page says it will take 30-40 days to settle the claim. WHAT??!! This isn't rocket science folks! 2. I know Pets Best doesn't care (it's obvious) but we had to pay this bill up-front. And the Pet's Best reimbursement 'team' doesn't seem to be in any rush to get us reimbursed for legitimate claims! Sad. 3. Ironically, Pet's Best is OK sitting on my reimbursement BUT THEY ARE SMOKING FAST COLLECTING MY MONTHLY FEES!! THEY ARE NEVER A MINUTE LATE. 4. Sadly, the only positive claims about Pets Best is that they are A GREAT PLACE TO WORK, OVER MANY YEARS. I guess it would be a great place to work if I could sit on claims for 30-40 days (their number, not mine!).
5

out of 5

POSTED: | BY: Jessica

Overall good experience with claims

Took a while to review claim, but that was understandable. Happy with the process.

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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