Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 14,121

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.
4

out of 5

POSTED: | BY: Patricia B

Pretty slow

Sent a claim in mid September; just got notice mid-November of decision. I understood it would go to Deductible, but 2 months is entirely too long for processing a rather obvious claim. Prior insurance was more expensive but claim turnaround much faster.
5

out of 5

POSTED: | BY: Migdalia R

New client

I am so please to elect these company for my dog. Hopping I don't need to have to many issues with my dog with future health once he gets a little older. But I am having a very satisfying with your company how fast they try to paid the claims. Thank you
1

out of 5

POSTED: | BY: S.

Really bad experience

we recently moved to the US from another country. Took out cat insurance for our cat - took one of the most expensive policies so the only thing that wouldn’t be covered were pre-existing conditions and routine checks. Our claim was denied because “Additional information was required to process this claim. After numerous requests, we were unable to obtain records from your veterinarian. Your claim can be reviewed upon resubmission of the claim with required medical records.” My issue with this is that we were not once contacted by Petsbest. I reached out to them on a chat since it took a long time for my claim to be processed. They said they needed my to send as much information about my cat’s medical history (which was in another country up til now) so I did and sent them everything immediately via email. I never got a reply and asked them for an update a couple of weeks later and they said they were sorry for the delay and will get back to me ASAP - which they didnt, I just got this denial. What is really wrong is that they send the denial THE DAY AFTER they took my payment for the next month, which seems really wrong. I also feel that they should not trick people into buying insurance and AFTER paying for several months telling them it could be an option that they cannot insure their pet. This should be checked or confirmed before having people pay. So I have not ONCE been contacted by Petsbest but they do denial my claim because they tried contacting us numerous times? It is impossible that they tried to reach our vet since they do not have her contact info. Communication is REALLY bad here and I would advise anyone to look elsewhere for pet insurance. EDIT: Reply to Petsbest reply: We were not once contacted by Petsbest so I do not know how they can state "we request". I reached out to them on multiple occasions myself since it took them a long time to process my claim. During a chat I explained them that I would send them all information that I have, which I did. After that I sent a follow up email and they said they were working on my claim. Not ONCE have they requested more information or did they even request contact info for our previous vet. They are a lazy company and they do not communicate with their customers ... They prefer to leave the customer hanging for +- 2 months and then, without any sort of communication or cooperation from their side, deny the claim.
4

out of 5

POSTED: | BY: Jessica G

Confusing statement

The statement is ok just a little confusing. You kinda gotta learn how to read it. But other than that good experience.
5

out of 5

POSTED: | BY: Dierdre B

Easy to submit

Claims are easy to submit. Had insurance before for a deceased pet . No problem for claims after deductible was reached. Prompt claim payment.

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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