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: Kg

What's up Pets Best?

******************************************Edited************************************ My November claim showed a processing time of 20 days. My most recent claim shows a processing time of 30 days. THIRTY DAYS. Not quite the 2-3 days as promoted on their own website!!!! I will keep updating my reviews in hopes to keep others from falling for the false claims (no pun intended) made by this company: "We apologize about the delay. Your claim and your pet are important to us. This isn't normal for our company to take this long, and I promise it is not intentional. We have experienced an overwhelming amount of growth in our business that was not expected and are currently processing more claims than we could have ever anticipated. I understand this is not your fault, but we are working really hard to get back up to speed, and we appreciate your business as we work towards that goal." If this statement were true, this lame and patently false canned message would have disappeared months ago. They are not working hard to get back up to speed, they are not hiring new employees. They are trying to save costs. As for the recent 5 star two day claim processing time, I call bullcrap. They are planted reviews to try and bring the rating up. This business was bought out by Synchrony. Synchrony is NOT in the insurance business. They are a financial service company. They offer retail credit cards and not surprisingly, pet care credit. Synchrony doesn't give a rats butt about anything but taking your money and then dragging their time when paying out claims. ____________________________________________________________________________ What happened? Greed? Before 2019, claims processing took 2-3 days MAXIMUM. Now it's up to 20 days. What's up with that? The main reason we started with Pets Best over 10 years ago was because of the turn around time and excellent customer service. Now it seems like the company just wants to hold on to your money and make interest on it instead of focusing on customer service. 20 days for a routine claim???? When it's time to insure a new pet, you can bet your bippy that we will NOT be going with Pets Best. Hopefully the employees are at least getting raises with some of the money they are keeping to accrue interest.
5

out of 5

POSTED: | BY: Ruben M

Easy

Process very well organized
5

out of 5

POSTED: | BY: Erin W

Great customer service

The agents were helpful with my questions and the process was super easy!
5

out of 5

POSTED: | BY: Jason H

Pets Best really is the Best

We took out policies on our two Pugs in January of 2019 and we can honestly say it was one of the best decisions we have made in a long time.
1

out of 5

POSTED: | BY: Chris P

Unhappy

Nothing positive. Didn't get reimbursed a penny and the whole process took over a month

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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