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: Cindy A

Quick response and processing of claims

Zoey has been extremely ill this past year with an immune issue as well as several infections due her immune system attacking her joints. She also tore the ligaments in both of her knees requiring the first surgery in June and the second one is scheduled for November 12th. The various immune suppressants and antibiotics and other medications caused liver issues as well. Thanks to the quick response and processing of each and every claim I truly believe that her condition would have created a major financial hardship. Thank you for being so responsive to our needs. Zoey has been in remission since Juneand is doing quite well. Hopefully, after her surgery tomorrow she will have finally regained her health.
1

out of 5

POSTED: | BY: Donald Drum

I cancelled policy for two dogs after 4 years of only receiving a fraction of my vet bills.

You have performed exactly to the industry that will eventually be annihilated by your own greed. After spending more than $1200 a year for two small dogs for four years, I have received a total $ 270 in claims. So, you sit on your chair and make over $1200 per year by handling seven claims in a fast and dismissive manner. You have confirmed all complaints of your greed. I have, of course, cancelled my pets insurance. I have also make social media aware it is a rip-off.
5

out of 5

POSTED: | BY: Jeffrey Bryner

Purchased Pets Best when we got our…

Purchased Pets Best when we got our Golden Retriever pup 6 months ago. Have been extremely happy with their service and prompt claims reimbursement. Would definitely recommend Pets Best to my family and friends.
5

out of 5

POSTED: | BY: Lawana Trifoso

Jacob's leg pain

Pets best is the greatest. I have never had any problems getting quick responses and payment of my claims for Jacob. Helps me keep in healthy and Happy.
1

out of 5

POSTED: | BY: Chris White

This is NOT OKAY!!

Their appeals process treats you like a criminal and is extremely slow. We've filed an appeal which is now taking over a month to undo their improper rejection of my dog's surgery. I have multiple dogs and we decided based on our history with our oldest English bulldog we should invest in some insurance for our youngest English. She started favoring her back left leg and we took her into our vet who determined she has a strained/damaged cruciate ligament which he believed would develop into a full tear if left untreated. So we scheduled surgery only to receive a rejection notice from Pets Best a few days before taking her in. It was rejected because they said it was a pre existing condition before insurance was established. I called to ask for further explanation and was told 2 years ago we text(sent a text message via personal cell phones) a vet saying our dog's leg seemed hurt and before bringing her in; did they think it was worth the visit? Texts ended with "just watch her for a few days and if it progresses bring her in". Then unbeknownst to us the vet added this record to our youngest pup's file claiming it to be a cruciate ligament injury. No exam, no official consult and no further treatment after text. The kicker being this was our eldest dog's paw the text made no claim to which pet (we have 3 total)... Now we've appealed with a letter from the vet admitting the record was attached to the wrong dog and in error. It's been about a month under appeal now. I called today because as predicted by the vet I believe it is a full tear now. Scheduled surgery but it'll be 2 weeks of my dog suffering before they can fit her in... Now I'm told they've requested my other dog's complete medical history before they'll process my appeals claim. So I've waited a month just to be told we need to submit an unrelated dog's complete medical history for a text which we never followed up on and a diagnosis that was not correct or confirmed. One, why did no one call or email that they needed more information rather than making us wait? If I hadn't called would this still not be processed? I asked to speak with a claims processer and was told they're too busy dealing with appeals(so apparently they have a hefty rejection work load), then I asked to speak someone else (anyone) and was rudely told no one else can do anything. They've literally treated my wife an I like criminals trying to cheat the system. Honestly a random text from 2 years ago was not in my memory until it was being quoted to me on the phone. I'm more upset because not only is it unrelated but they never physically saw a dog. Now I feel like a terrible pet owner because I've made my poor dog wait during this appeal for absolutely no purpose. I absolutely hate this company and my family's experience with them.

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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