Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,169

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.
4

out of 5

POSTED: | BY: Lisa M

Fairly quick with no problems

In the past it has been fairly quick with no problems. This last claim I forgot I even submitted it until I got this survey in the mail. Got an email awhile ago that there was a delay because of a high volume of claims. Still waiting on a decision.
1

out of 5

POSTED: | BY: Natalie

CRAPPY SERVICE

This is a HORRIBLE company. I signed up for them early on May 9 because my dog's previous insurance associated with her vet's office was too expensive. Of course, the moment this previous policy expired, something cut her paw while on a walk. She had to be taken to the vet the same day that I signed up for her new insurance policy with Pets Best. I had no idea if I would be needing them or not, but I was hoping that no matter what she would be covered that day. I got my bill at the end of the day and told my vet about the new policy and they gave me the documents to submit for a reimbursement. I filed a claim and TWO MONTHS LATER, I am still getting the runaround. I emailed the company and they rather rudely said that my policy didn't actually take effect until THREE DAYS after May 9. So I said that was not transparent of them and they condescendingly explained to me "how insurance works" and said some policies don't take effect that day. Being a grown ass woman, I told them I understood that and that I was simply telling them that that isn't transparent because if that was in the front facing message or the main message given to me the day I signed up, I would have canceled it. I'm canceling my policy just for the sheer fact that the person emailing is rude. Go anywhere else, I know I am.
1

out of 5

POSTED: | BY: Natalie Lynn

This is a HORRIBLE company

This is a HORRIBLE company. I signed up for them early on May 9 because my dog's previous insurance associated with her vet's office was too expensive. Of course, the moment this previous policy expired, something cut her paw while on a walk. She had to be taken to the vet the same day that I signed up for her new insurance policy with Pets Best. I had no idea if I would be needing them or not, but I was hoping that no matter what she would be covered that day. I got my bill at the end of the day and told my vet about the new policy and they gave me the documents to submit for a reimbursement. I filed a claim and TWO MONTHS LATER, I am still getting the runaround. I emailed the company and they rather rudely said that my policy didn't actually take effect until THREE DAYS after May 9. So I said that was not transparent of them and they condescendingly explained to me "how insurance works" and said some policies don't take effect that day. Being a grown woman, I told them I understood that and that I was simply telling them that that isn't transparent because if that was in the front facing message or the main message given to me the day I signed up, I would have canceled it. I'm canceling my policy just for the sheer fact that the person emailing is rude. Go anywhere else, I know I am. *Response to comment* No, you are not transparent. You cannot provide proof that these policies are FRONT FACING for new customers because they are not. I have proof of that. Furthermore, you cannot find me in your system because I canceled policy due to the extreme ridiculousness of your customer service.
5

out of 5

POSTED: | BY: Howard R

Satisfied

I was satisfied
5

out of 5

POSTED: | BY: Joy C

Makes me feel safe

We feel Oliver is safe with 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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