Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,152

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: 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.
5

out of 5

POSTED: | BY: Cassia Chitla

Easy, transparent, affordable! Highly recommend!!!

The process for filing claims and getting reimbursed was smooth, easy, quick, and transparent. Read your policy: everything is explained clearly, and I always knew exactly how and for what I would be reimbursed. Highly recommend pet insurance for anyone with a pet - it is extremely affordable and when you need it, you will be glad you have it! I really liked the freedom to pick my plan deductible and co-insurance to meet our needs. I recommend Pets Best to everyone I know and will absolutely use Pets Best to insure any future furbabies!
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1

out of 5

POSTED: | BY: Margot Alexandropoulos

Service is SUB PAR since they were bought out.

I have been a client of Pets Best for 17 years. Since they were bought out by Care Credit AKA Synchrony bank. Their "Quick" payout of claims even with all the correct paperwork is HORRID. 40 to 50 day on new Claims. I understand growth may be good for business. But I feel that I am being held hostage is even worse. My Doodle has Fanconi syndrome and even if I wanted to switch companies I can't. They have outstanding claims of mine since 11/25/19 with 7 or 9 pending I have lost count. I understand complete that the Tier 1 CSR ladies, seems to have their hands tied as well. I have finally gotten a phone ## into Headquarter above Pets Best. If I can not get a response in a timely manner, I will re-file with BB NW Division and their local dept of consumer affairs. What a shame that a great company is now TRASH.
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5

out of 5

POSTED: | BY: Alicia

Easier than I thought

I put in a claim on Jan 3, 2020 and by Jan 17, 2020 was reimbursed for exactly what I paid for. Used the app and the process was very easy to upload receipts etc. Surprisingly easy and quick on the turnaround time.
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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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