Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,732

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.
2

out of 5

POSTED: | BY: Brenda

A scam

I have insured multiple dogs over many years with pets best and not filed a claim for years. One claim now for an unprecedented issue and it is denied. What a scam! I have paid thousands, many thousands, of dollars into this company and they won’t reimburse. So sorry I ever recommended them to anybody. I won’t be doing so again.
2

out of 5

POSTED: | BY: Rubi Herrera

Too long to process claims

They have taken over a month to handle simple wellness care claims. And now they are taking longer for my cats $400 illness claim. In these times I NEED my money back quickly. I pay this company $300+ a month, you would think in these times they'd prioritize the needs of their customers. My first claim went smoothly. I am very disappointed now.
1

out of 5

POSTED: | BY: Abby

Still deciding whether to stick with them or not

I made a claim for an ear infection my cat had. It was my first claim and I just wanted the $30 applied to my deductible. I figured it would be really simple. The claim took FOREVER to process. It has me nervous for when I need reimbursed for a serious expense. Literally over 40 days to process. My friend works for Trupanion and they require claims to be processed in 1-2 days. It’s astounding to me the difference. Trupanion is more expensive, but I guess you get what you pay for... Anyways the needed records from an old vet. When I provided the vets info they requested the records and sent me an email explaining if they didn’t get the records in 3 days they’d contact me for help getting them. 5 or so days pass, boom email saying my claim is denied because they didn’t get records. I called and got the RUDEST customer rep. She said it’s because I never called back to provide them with the missing records. No one told me the vet didn’t send it! She kept repeating the same line and told me basically too bad the claim is closed. I called the vet and they emailed records the day it was requested. They even forwarded me their original email. I called back and got a much nicer rep who explained the claims auto close after 40 days. She pulled up the records in seconds and said they never got uploaded. She reopened the claim and by the next week the money was processed towards my deductible. Would that have happened if I got the rude woman again? I got pet insurance after spending $10,000 on my dog who died last year from a terrible autoimmune disease. I can’t imagine if I was trying to be reimbursed for one of the regular $2k emergency vet fees. 40 plus days and all that stress and hassle?? I’m already asking friends who they use to see about switching. They need to make sure all their customer reps are like the second woman I spoke to.
5

out of 5

POSTED: | BY: Glenn Rink

Outstanding!!

This companies customer service and pricing is outstanding. They are far better then any other company offering pet insurance. Love them and the consistency of their service and product offering
5

out of 5

POSTED: | BY: Jazmine

Great Insurance

Great customer service and great quotes compared to other competitors.

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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