Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,943

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.
2

out of 5

POSTED: | BY: Susan Bunker

I have had pets best insurance for…

I have had pets best insurance for years and have been happy with it. Not sure what is going on there now. There system has been down for months. Getting a claim submitted is like getting an act of congress passed with no communication. Calling is no better - long hold periods - several disconnects & no real answers when you get through & lots of apologies read from a script. Very frustrating & Disappointing. Everything was so easy though tge app prior to this and when you called with questions there was answers or people willing to get the answers. I am hoping this is a transitional period & it goes back to the customer care it used to provide
Read more on Trustpilot
2

out of 5

POSTED: | BY: Eddie

If your pet gets sick, get ready to pay through the nose on your premium

Pet's Best likes to use the same line that premiums increase due to your pets age and rising vet costs (that part is ridiculous). But now for the second time, I've had a dog that required more than the normal amount of medical attention. Even with the 80% reimbursement, you still go out of pocket a bit. The problem stems from when the policies are up for renewal. This is the second year in a row where they have nearly doubled my premium and use the "your pet is getting older" response. Truth of the matter is this - the more claims you file, the more your premium is going to spike and they know you can't switch because most insurance carriers won't cover pre-existing conditions. If I was more fiscally solvent it wouldn't be an issue but I just keep getting screwed over every time one of my dogs gets cancer or has a failing organ.
1

out of 5

POSTED: | BY: paul christy

Pets best has the worst service I ever…

Pets best has the worst service I ever had, and I am 76 years old. In short they will find ways not to pay your claims. I never would use them for my pet insurance.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Patricia

Claim experience

I am truly grateful for PetsBest! My cat experienced a true emergency which was mostly covered. Without PetsBest, my cat may have had a different outcome as the surgery he required was not something I could afford on my own. PetsBest saved my cat's life!
5

out of 5

VETERINARIAN: Friendship Hospital For Animals

POSTED: | BY: Doug

Repeated Bouts of Pneumonia

I am constantly recommending Pets Best to my friends and family who are pet owners or are considering becoming pet owners. Nearly eight months ago, I had to rush my dog to the emergency room because he was struggling to breathe. He was diagnosed with aspiration pneumonia and had to stay in the hospital for several nights before being sent home with antibiotics. A few days after the antibiotics ran out, he again started coughing and struggling to breathe and ended up back in the emergency room and hospital for a few more nights. This cycle repeated a third time before we found out he has Irritable Bowel Disease which was causing him to regurgitate. He was apparently inhaling some of his regurgitation at times, causing him to repeatedly get pneumonia. We're finally getting to the other side of things as we continue to consult with our regular vet and an internal medicine specialist, but we wouldn't have gotten this far without Pets Best. The bills for all of this treatment have been astronomical, but Pets Best covered our costs as outlined in our plan with no hassle or questions asked. It has been one of the best experiences I've had with any company and absolutely saved my dog's life.
Please leave a review

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.
Provider website

Get a quote today

Leave a review