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.
5

out of 5

POSTED: | BY: Robin C

Pleased with my decision

I'm very pleased with my decision of getting this insurance for my Graycie Rain. Thank you so much for being so affordable and easy
5

out of 5

POSTED: | BY: Lisa

Thoroughly pleased

I have recommended PetsBest to many of my friends. I am thoroughly pleased with its service.
5

out of 5

POSTED: | BY: Cortney

Refunded within 4 days

When I got my invoice from my vet I downloaded a copy onto my computer and all I had to do was login to pets best and go to start a claim, I then added the invoice in and filled out a few simple questions and I was done. I got my money refunded back to me within 4 days of the visit with the vet! and an email the next day explaining to me what and why they were giving me back what they did.
5

out of 5

POSTED: | BY: Marilyn W

You are the best of the best!

You are the best of the best! I've had my dogs insured with you for the past 16 years and have only had top quality service. Thank you for everything you do.
1

out of 5

POSTED: | BY: Pamela Russell-Trimble

Extremely Disappointed!

I would have never anticipated writing a negative review for Pets Best Insurance. When I first got my policy for my English Mastiff, the annual fee was $476.16 (2016-2017). Mines was a modest policy - $200 deductible, 80% reimbursement, and $5000 annual coverage. The first year was a rough year for my dog and I took that policy right up to the $5000 annual coverage. The service during that first year was so phenomenal that I wrote a fabulous review for Pets Best and continued the accolades by suggesting this pet insurance to anyone who would listen. The next year, the policy went up to $631.23 (2017-2018). I assumed such a large jump was due to the amount I had claimed, but was told that was not the case. The representative was extremely nice and explained the process. She stated that during the puppy stage, the policy is normally higher and once he passes the puppy stage, the cost will decrease to be followed by an increase when he becomes a senior and his health is anticipated to decline. I was fine with this explanation because it made sense. The next year, my policy went down to $607.94 - just as the rep had predicted (2018-2019). Imagine my surprise when I received my most recent policy renewal to a tune of $1003.71 (2019-2020). When I called to get an explanation, the responses were just not acceptable. The dog is 3 years old and in great shape (that is past the puppy stage, right?). BTW, we filed no claims because there were no emergencies or big ticket items that required action. So, "zero claims" for the policy period 2018-2019 and the reward is a policy increase of $395.77. Thanks Pets Best! Just don't buy the reasoning of he is still in his puppy stage where he is curious and still getting into things - when he is between the ages of 4-6 the rates will go down - after age 6 the rates will go up because he will be considered in his senior years. Oh, okay. Well, I have wasted enough money and time. Needless to say, this policy will not be renewed. This is so disappointing and sad at the same time. Makes me wonder what has happened to such a great company?

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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