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: Linda Wu

the maximum per-incident is disheartening

We've been with Pets Best Pet Insurance since 2010. We been paying $267.00 a month since Dec 2018. Now our dog's got cancer and there is a maximum per-incident in the benefit. - Read Yelper Moo M of Pullman, WA - I agree with Yelper Moo M. It is disheartening the maximum per-incident claim maximums compared to the other Pet Insurance on the market. Both my sisters are with Pets Best base on my recommendation. As soon as I realized there is a "maximum per-incident" in the benefit. I call them and they both are now with a Pet Insurance company that have "UNLIMITED per-incident " in the benefit and lower monthly fees. Hope this review will help someone else from making the same mistake I did.
1

out of 5

POSTED: | BY: Linda Wu

BEWARE of "maximum per-incident"

We've been with Pets Best Pet Insurance since 2010. We been paying $267.00 a month since Dec 2018. Now our dog's got cancer and there is a maximum per-incident in the benefit. - Wish I had read the reviews on Yelp 1st - I agree with Yelper Moo M of Pullman, WA . It is disheartening the maximum per-incident claim maximums compared to the other Pet Insurance on the market. Both my sisters are with Pets Best base on my recommendation. As soon as I realized there is a "maximum per-incident" in the benefit. I call them and they both are now with a Pet Insurance company that have "UNLIMITED per-incident " in the benefit and lower monthly fees. Hope this review will help someone else from making the same mistake I did. ----------------------------------------------------------------------- REPLY: 10/07/2019 I just logged into my Pets Best Pet Health Insurance account. My account shows. BENEFIT PLAN $2,500 Per-Incident Limit $750 Per-Incident Deductible 80% Reimbursement So why do I have a $2,500 Per-Incident Limit if you NO longer offer per incident plans?
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1

out of 5

POSTED: | BY: Arturo castaneda

Worst service absolutely horrible.

This was the most complicated, unorganized, unprofessional experience. Never would have thought that paying for such service would be so blatantly opposite of what was committed. To begin, I took my puppy to the emergency. I filed my claim, I kept getting emails that they requested records they also said that I had to get the records if they did not get them. This went on for two months. Generic cookie cutter emails telling me to get my puppies records. Finally I get them and send them then they denied the claim. What’s the point of paying for coverage if what was covered is denied. I question their process cause clearly they don’t know what they are doing otherwise the process would have been seamless and personal.
1

out of 5

POSTED: | BY: Forrest Martin

Customer Service is VERY POOR!

Pets Best makes it very easy get your quote and to sign up, but that's about it! I am a new customer( in my first month ) and had some questions about my policy. I have spent several days trying to contact anyone at Pets Best. I have tried chat, text and phone and have yet to speak to anyone. My chat sessions always say there is a 20-30 minute wait, and then close before anyone is available to chat. Text go unanswered and phone calls are either disconnected or you are left on hold till you give up. I'm just glad I found out how bad they are before I had to file a claim. DO NOT WASTE YOUR MONEY!!! There are much better options out there!
1

out of 5

POSTED: | BY: Fiona Hibbard

Find another pet insurance company.

I have been paying my monthly premium for years (at least 6), just in case. My dog works cattle and she hurt her back. The claim was denied. I guess this company is not used to cow dog owners having insurance. Don't waste your money, because when you need it, it may be denied.
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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 Pet Insurance detail
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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