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: PRL Keytroller

They do everything possible to not pay…

They do everything possible to not pay claims. agents basically said I was submitting claims that were not real..
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1

out of 5

POSTED: | BY: Snowdreamer28 Aj

Arbitraty decision of a pre-existing condition did not pay my Vet Bills and I paid a high price insurance.

I enrolled my rescued puppy with Pets Best insurance hoping to have peace of mind while learning how to be the “mother” of a dog for the first time. The dog is in good condition and happy. However, in the process of getting him neuter, the Vet fund a growth in his collar area. Initially, before the dog was insured, there was no issue with this growth, we did not even notice it was there. At that point, and after the deadline to submit claims for accidents or illness, the growth presented bleeding and needed attention before the neutering process. I decided to take care of this surgery first and sent the growth to pathology to be analyzed. Results were fine, he was cancer free and a happy puppy again. I submitted claims for surgery, pathology and medicine and Pets Best denied my claims stating that this was a pre-condition of the dog. I am paying 65 dollars every month to feel safe with my dog and after 3 months I ended up paying insurance plus Vet bills. The costs double. Therefore, I canceled my policy with Pets Best and did not have a good first insurance experience.
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2

out of 5

POSTED: | BY: Cheryl Moore

Very Disappointed!

When I signed up I was under the impression my pet's yearly exams were covered to some extent. NOT! Now I'm told my coverage doesn't include that. ?? I signed him up for an upgraded policy, so will see. I have a couple of years of claims that I have not turned in, mainly because I forgot about the coverage. My cat will get her checkup soon, and I am certain her claims will be denied also.
5

out of 5

POSTED: | BY: Nancy K

Makes pet care stress-free

Our pet was suffering constantly licking his paws, his legs we could tell he was uncomfortable - our vet diagnosed him with allergies and wanted us to try some medicine but warned us it was costly - we tried the drug and saw an almost immediate relief for our pet - the insurance makes these decisions that are important for our dogs comfort and health so stress-free
4

out of 5

POSTED: | BY: Joan M

Made easy

Made easy by the Vet's office, who forwarded the bill and claim to Pets Best. My only problem is that although you have been applying my bills to my deductible, I do not know how close I am to satisfying my deductible. A summary of the total of my bills and how close I am to fulfilling my deductible would be much appreciated!
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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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