Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 14,111

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.
1

out of 5

POSTED: | BY: David D'Agresta

Not what it used to be

I’ve had Pets Best for several years, with four different dogs. Unfortunately, things have changed dramatically with underwriting and customer service for the worse. The final straw was denial of a claim for a broken tooth. Yes, I’m sure my dog chewed on something too hard and broke a molar. They denied the claim, stating that the condition was “caused by periodontal disease”. Other claims have been denied for reasons that I believe is due to aggressive pursuit and twisting of the “fine print”. The customer service is atrocious. The recording informs you that your wait time for help with a claim or exiting policy is a minimum 30 minutes, and to cancel a policy is 45. To get a new policy? Yeah, 10 minutes. Over the years, Pets Best was a good company overall for what pet insurance is for. Now I believe it’s been taken over by nothing more than bean counters.
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3

out of 5

POSTED: | BY: Luz Houston

Disappointed

I honestly believed my reimbursement claims for my pet’s wellness visit fees was going to be covered more than what it turned out to be.
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1

out of 5

POSTED: | BY: Enes

WORST Pet Insurance I've had.

This is the worst pet insurance experience I’ve had. Your website and online platform have been nonfunctional for months, making it nearly impossible to manage claims. My coverage is being denied for “pre-existing conditions,” even though the symptoms are new and fall well within the active policy period. I’m also being asked for additional documentation (an itemized invoice) that was already submitted with the original claim. When I try to upload it again through the portal, it simply doesn’t work. It genuinely feels like these obstacles are intentionally put in place to discourage customers from pursuing valid claims. I doubt anyone will read or respond to this review to address these serious service issues. If I’m not contacted, I will be canceling my policy before the next billing cycle.
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1

out of 5

POSTED: | BY: Anna Dukes

This company is giving big SCAM energy...

This company is giving big SCAM energy... there's no access to their portal, they have a new excuse as to why each day.. You can only submit a claim by emailing a generic inbox and then when you call you wait at least 45 min, only for them to say they can't see if the email was received. If you ask to speak to someone in the claims dept they will tell you there's no phone number to transfer you to... I guess those guys work in the Cone of Silence and never have to communicate with anyone else in the company. They drag out the claims process as long as possible so that they can collect as many monthly payment before you get pissed and cancel the policy. I have reported them to the Federal Trade Commission and I encourage everyone to do the same.
5

out of 5

VETERINARIAN: Gulf Coast Veterinary Specialists (GCVS)

POSTED: | BY: Ray Diaz

Peace of Mind for Our Pets – Reliable and Compassionate Coverage

We enrolled in Pets Best insurance to ensure our furry friends are cared for in case of any major situation requiring a significant investment. Emergencies are unpredictable, and veterinary costs can be high. Since joining Pets Best, we've experienced excellent responsiveness and timely reimbursements, as long as the required information was uploaded. Over the past two years, one of our cats underwent several procedures to treat cancer. Until her passing, Pets Best consistently reimbursed us for all her treatments, which made a difficult time a little easier. This level of support has earned my trust—I will definitely continue using Pets Best and recommend it to friends and family.
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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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