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.
1

out of 5

POSTED: | BY: Kenneth

I purchased pet insurance 2 months ago…

I purchased pet insurance 2 months ago with Pets Best because of good reviews online. I submitted my very first claim on July 6th, 2020. When I checked my claim status online two weeks later, it showed "waiting on vet info". Thinking that my vet had not submitted the requested information to allow for claim processing, I called my vet to inquire. It turned out that they had submitted the requested information. Just in case, I requested the vet to submit it again. Then, I called Pets Best to ask about my claim, waited for almost an hour, and was still not connected to an agent. So then, I decided to use the internet chat option in hope for a faster response. I still had to wait 45 minutes before finally being connected to an agent. The agent told me that it will take up to 25 days to complete the claim and advised me to call back by the end of July. Today is August 4th, 2020, I checked my claim status again and it still showed "waiting on vet info". I called Pets Best again today and this time I used 2 different forms of communication, at the same time, (by phone and by internet chat). I was waiting for over an hour on both platforms. Finally, I was connected to an agent on the phone, but online chat was still no response. While I was waiting on the phone, the automated system said "claim will take up to 25 days", but this agent told me that it will take up to 39 days. That being said, I have to wait for another week. I am very disappointed that a simple office visit claim would take so long to complete. My previous pet insurance took 3 to 5 business days, the longest claim took 2 weeks. If it should take this long again for my next claim, I will be sure to cancel my policy with Pets Best.
1

out of 5

POSTED: | BY: Soi Kim

they are the worst they make you wait…

they are the worst they make you wait forever to proceed your claims. They are gonna find every excuse to not cover nothing I paid 55$ month. Then all the surgery they coverd nothing! Do not use this company
5

out of 5

POSTED: | BY: Loree Weber

Pets best is the best insurance

Pets best is the best insurance. Claims are so easy and efficient
5

out of 5

POSTED: | BY: AJ

Issues for Rescue Owners

I hate leaving poor reviews but I want others to know the issue we have faced with our rescue. Our claim was denied because they didn’t have enough medical history. We explained that our 3 year old Mastiff was a rescue and we don’t have any history besides her spay. I sent those records and explained twice that her name has changed since being rescued. We are attempting to reopen the claim for our very healthy pup and are waiting to see what happened. It’s been a headache and with Covid-19 I’m sure it will take even longer to receive a response (which I’m understanding of) we shall see.
5

out of 5

POSTED: | BY: Paula

I've had a great experience with Pets Best!

After reviewing many policies I felt good choosing Pets Best. They have communicated very well through email to give updates on claim status. It's been exactly what I was looking for. I've never had pet insurance on any of my dogs but I highly recommend Pets Best! The policy is clear and I appreciate the communication! Thank you Pets Best!

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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