Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,154

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: Dennis Valentine

The insurance was easy to deal with

The insurance was easy to deal with. It only took a couple minutes to download my invoice and I was reimbursed within a week. Very simple and useful.
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3

out of 5

POSTED: | BY: Dottie

untimely reimbursements

Very slow in processing payments.
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3

out of 5

POSTED: | BY: Lauren Byrne

Recent claims issues

Before this past month, we were highly satisfied with PetsBest and I went so far as referring others to this company for their pets. Our previous claims' turnaround time was 2-7 business days, for 2 years. Imagine my surprise when a window of more than triple that appeared, after a 20% increase in our premium the month before. The LiveChat feature also appears to be down at this time (perhaps due to the overwhelming number of clients in the same position). Please tell me when we can expect a return to normalcy and fast processing by your company. And if the answer is unknown, you will continue losing customers. P.S. I'd rather receive no reply than a copied and pasted: We apologize about the delay. Your claim and your pet are important to us. This isn't normal for our company to take this long, and I promise it is not intentional.... etc.
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1

out of 5

POSTED: | BY: John G.

Awful

UPDATE: They always reply "we are growing so fast, that's why claims are taking so long to process". You know what fast growing companies do to solve that problem? They HIRE MORE PEOPLE!!! You have been peddling this lie about growing so large since November 2019. Are you telling me you haven't been able to hire any additional people since that time? PetsBest are LIARS and fraudsters. -------- Awful, awful, awful. I signed up with the promise of fast claim processing. Several months into our policy we finally had to file a claim. It's been 32 days and last week they said it would take 45-55 days to process. Today they said it would be 45-60 days. When I check in next week will it be 45-65 days? They say they can't process claims fast enough because they are "growing so fast" - well then they should have the resources to hire a couple more people to process claims. Like others, I would love to change carriers but because of pre-existing condition rules, that would not be possible at this point. Do the best for your pet and AVOID Pets Best.
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3

out of 5

POSTED: | BY: Luci Ferrin

Took Too Long!

This whole process just took too long in my opinion. From Oct 28 to Dec. 10 TOO LONG!
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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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