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.
1

out of 5

POSTED: | BY: Stephanie

Petsbest is a scam...

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 me to send as much information about my cat’s medical history (which was in Belgium 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. FYI my cat is 1000% healthy and did not have any medical issues prior to taking the policy
5

out of 5

POSTED: | BY: Jeffrey P

Our first claim

Our cat is a Maine coon cat, Orion. We brought her to the vet for fecal testing, update of current shorts, blood work and a general wellness visit. With our chosen plan our bill was $180- I listed each item as described by my veterinarian receipt, and in no time at all we received our refund for having insurance. My check was for $140. and change. I can't tell you how pleased we are. This insurance plan through Pets Best is worth every cent for my wallet. And especially the well-being of my furry friend.
5

out of 5

POSTED: | BY: Myriam F

Helpful

Our cat Angel was very sick but she was very good at hiding it. One day she stopped eating and we took her to the doctor to find out her kidneys were shot.. she past away at home comfortable with her family..pets best was very helpful and they even sent us a beautiful card. Thank you
5

out of 5

POSTED: | BY: Brittany M

Great communication

I was notified at each stage of my claim processing, and when there was a delay due to a high volume of claims, I was notified and received my reimbursement check timely. The process was easy and I am very satisfied. Having a puppy is expensive (especially a Great Dane puppy who is mischievous), but knowing I have help with that is great!
5

out of 5

POSTED: | BY: Carol D

Very Helpful

You were very helpful with our fur baby's issues.

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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