Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 14,113

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.
5

out of 5

POSTED: | BY: Jo

I love Pets Best

I love Pets Best. I’ve never had any issues with coverage. I recently had a question about my latest claim. They were extremely helpful and answered all my questions.
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5

out of 5

POSTED: | BY: dilipshahyahoo.com

Easy claim processing

Easy claim processing
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4

out of 5

VETERINARIAN: Saddleback Animal Hospital

POSTED: | BY: Justin McArdle

Overall very satisfied; however their app is glitchy

Overall, I am delighted with Pets Best and the process of filing claims and managing my pet's account. The main problem I'd love to see the company address is its app. It is not reliable; it's very glitchy when trying to submit claims, and it works 10% of the time. However, when using the website, it works 90% of the time. Once a claim is filed, Pets Best is pretty quick to process and apply the benefits.
2

out of 5

POSTED: | BY: Erica Cameron

Took too long to receive payment

I received multiple emails about “we’re sorry it’s taking so long”. You don’t take long to take the payment out of my account every single month so I don’t expect it to take long to review my claim once I send it and put the money back into my account. We’re going on almost a month and that, in my opinion, is highly unacceptable. If it happens again, I will be switching to a new insurance.
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4

out of 5

POSTED: | BY: Barbara Carmichael

Usually a fantastic job

Usually a fantastic job. But since their software upgrade, it has been impossible to get into my online account. This problem has existed for at least 3 weeks now. I need to be able to see my account almost daily, as I have 2 elderly dogs with numerous prescriptions and vet visits. The only way I can keep track of what claims I've submitted and their status, is to review them online. This on-going issue makes me wonder if PetsBest ran a beta on this new software long before activating it on the customer's website.
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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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