Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,149

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: Jason Gardner

Been 43 days since I have filed a claim…

Been 43 days since I have filed a claim and they haven't even started to process my claim. I even signed up for their direct payment option. Why wouldn't I? The founder is saying right on the site that some other companies might take 4 or 5 weeks to reimburse. Not pets best though. They don't want to make you pay credit card financing fees or be short on cash... For all you poor folks in the same boat, file a complaint with better business. Go to all the sites you can find and let the world know just how poor this company is doing. 3 dollars a month. That is how much I saved by going with these clowns. You'd think I would have realized you get what you pay for by this point in my life. Hey pets best, why don't you put that 40 day waiting period right there on the front page of your website? Bet I know why. Because nobody would sign up if they knew how you operate beforehand. Shame on you
5

out of 5

POSTED: | BY: Phyllis N

Very easy claims process

I uploaded the vet bill, added my account information and the claim was posted to my account very quickly. Pets Best helps pay for the preventive care meds and that helps the insurance to pay for itself.
5

out of 5

POSTED: | BY: Jennifer B

Great customer service with a quick response time

Claims are processed quickly and thoroughly, and explained in detail. Questions have always been addressed in a very timely manner, and resolved quickly. I recommend Pets Best to anyone I know interested in pet insurance. Prices are very competitive, with great coverage and multiple options to choose from.
5

out of 5

POSTED: | BY: Mark M

Easy and quick payment

Claims are very easy to submit and payment comes within a couple of weeks.
5

out of 5

POSTED: | BY: Sean N

First time buyer for pet insurance

So was skeptical about getting insurance for my puppy but knew I had too. I got her the best package y'all offer and I am more then please as of now. Y'all covered majority of her visit which I didn't think would happen. Been recommending y'all to other dog owners I know cause to me this is the best purchase I've made for my pup!

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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