Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,139

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.
3

out of 5

POSTED: | BY: JG

Claim Processing time is AWFUL

I've used Pets Best for two years and have until lately been very very happy with them in all regards. However, the current claim-processing time of NEARLY A MONTH is bordering on unacceptable. My dog's bills are substantial and i hold up my end of the deal by paying my (rising) premiums on time, submitting my claims as correctly as is humanly possible and never trying to be a scheister in regard to preexisting conditions or any coverage that i am not entitled to. But as the year comes to a close, i am watching my bank account dwindle as Pets Best sits on my claims for weeks. I don't know if it's an end-of-the year thing or a new management thing but i hope it gets resolved soon. I have stopped recommending Pets Best to anybody who will listen. In fact, I am not currently recommending Pets Best to anybody.
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5

out of 5

POSTED: | BY: Tom F

Helps with major vet bills

Pets best has helped me with some major pet bills and helped me to keep my pets healthy.
5

out of 5

POSTED: | BY: Michael R

Increased processing time

Took several weeks for claim to be paid. I have been a policy holder for years and the time for processing claims has significantly increased
5

out of 5

POSTED: | BY: Jacqueline M

Mercedes's very expensive emergency pyrometra surgery

As typical Insurance companies go, I was expecting Pet's Best to find some glitch and not pay my dog's very expensive emergency pyrometra surgery. I was pleasantly surprise that they paid out all that was owed to me.
5

out of 5

POSTED: | BY: Sharon P

Recommend to everyone

I have had Pets Best insurance for a number of years. Granted, having 2 dogs I have paid much more than I have received dollar wise, so far. However, it is such a comfort knowing I don't have to make any hard decisions when it comes to medical care for my dog. Pets Bests has paid everything as promised when I signed on with them. I recommend this insurance to everyone. I chose the best plan I could get and it's paying off.
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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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