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.
5

out of 5

POSTED: | BY: Rebecca Marie

I currently work in Insurance and…

I currently work in Insurance and sought to find a pet insurance that was as inclusive as possible with reasonable deductible reimbursement options. Out of all my research this was the best one I found and have already been reimbursed on my puppy's last vet appointment. I highly recommend Pets Best
3

out of 5

POSTED: | BY: Lorna Hamilton

Why so long for reimbursements lately?

Wow...I have always appreciated Pet’s Best for their efficient and timely reimbursements. Gosh, my last claim was reimbursed over a month later. Thanks for asking. I work at a Veterinary Practice and we encourage feed back. If we don’t know what’s broke we can’t fix it. Thank you
5

out of 5

POSTED: | BY: Randolph Tashman

Pleasant surprise

Took a bit long on my first claim but now quick payment back when I file using app. Well well worth it
5

out of 5

POSTED: | BY: Pamela Whitman

PetsBest is a lifesaver for my cat, Nala, I couldn't treat her illness without this insurance...

Pets Best insurance is literally a lifesaver for my cat Nala. She has been sick with a chronic condition for a year and a half, and has required multiple vet visits, testing when she got complications, and numerous medications, both ongoing for maintenance and others when the condition flares up again. One medication in particular is so expensive, I could never afford it on my own. Pets Best not only pays me back 90% of what I pay to my vet for all these sick visits/treatments, they pay me back so quickly and reliably that I can usually use the money to pay for Nala's next round of medicine! I could never have helped my sweet girl feel better without Pets Best, I really feel they are with me at the vet's office saying, "Don't worry. We've got this!" as I deal with how I'm going to pay for Nala's vet costs. I cannot express how important this has been to our family, knowing we have the security of not having to weigh treating Nala against paying our bills. I honestly don't know why anyone would NOT have pet insurance! But other insurers I'd been with in the past had complicated claims processes or questioned everything so many times that I'd give up and leave money on the table because it was just too time-consuming to deal with it. Pets Best is different, they make the claim submission process so easy! It's all online and crystal clear (or you can do it by mail also, for me online is easier). The only things I need are the vet diagnosis on the claim form and my receipt as paid that gets sent to the Pets Best claims department. If there is ever a question about coverage or details they reach out to me immediately to let me know what my vet may need to explain to them -- but that has only happened maybe twice in over twenty claims they have paid for in the past 18 months. I know this is going to sound over-the-top but I just can't say enough good things about this company. I think when it comes to the health of your animal companions, there is just no way of thanking a company like this for just being who they are.
1

out of 5

POSTED: | BY: Jasoleil Cineus

DO NOT BUY/BUYER BEWARE

OMG, you will not get reimbursed without having paid for services that you cannot receive back from this company. I pay over 100 dollars a month for pet insurance through this company. You would think that they could find a real excuse for why they cannot process your claim instead of send an auto-reply out. However, you know what they can do exceptionally well? CHARGE YOU ON TIME. Go with another company or no insurance at all because this is a scam.

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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