Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,160

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: Ken Otokawa

No hassle claim procedures

No hassle claim procedures
5

out of 5

POSTED: | BY: Ally Aycock

Pets Best was the best decision I ever made on behalf of my pet.

When I adopted my dog 3 years ago, I knew I wanted pet insurance. My friends and family were always paying high vet bills for common pet problems so insurance was a no brainer for me. I reasearched a number of companies and decided Pets Best offered the best value comprehensive coverage. I've never regretted my decision to be a PB customer. The customer service is amazing, the coverage has saved me so much over the years, and there's no price you can put on the peace of mind, knowing you can afford unexpected vet visits for your furbaby. I'd love to provide a specific testimonial but after Pets Best has been there for my dog for demodectic mange, a few unfortunate accidents like being electrocuted by stray current from a street light, and numerous allergy issues (they paid for an allergy test and shots!), I couldn't imagine a life without them in my corner. They are quick to pay, completely emphatic, and easy to work with. They are truly the best.
5

out of 5

POSTED: | BY: Cindy

I LOVE PETSBEST!!

I love PetsBest because they make it very easy to file a claim and they are very quick to reimburse me. I chose the Best Wellness plan because I like the fact that I can take my chihuahua Jax to the vet once a yr for a thorough wellness exam and i get reimbursed $50 for that and more $ if he is due for vaccines. They even reimburse me $25 a yr for flea/tick & heartworm preventatives. I also have peace of mind if God forbid he gets sick, needs medication or needs a surgery in the future and I know I will get reimbursed a good portion of what I pay. If you are looking for a good pet insurance company look no further. PetsBest is awesome!!
1

out of 5

POSTED: | BY: Gary &

Representative rude, condescending, poor reflection of the company.

We had our minature Yorkie insured with Pets Best since our puppy was 11 months old (December 2017). We took our puppy in for routine checkup March 5, 2018 & Pets Best promptly covered the claim. On March 25, 2017, it was a whole different story. We took our puppy in for followup & he received his booster shots & dental checkup, along with discussing future wellness concerns. We never heard anything from Pets Best for almost 2 weeks. I called in and the Representative I spoke with said they needed to verify their concerns with the vet. Never heard anything more until I called in 7-10 days later. The Rep told me they haven't heard anything. I asked if they did a followup & she said no. When I asked what was the problem & what was needed, she said they needed to speak to the Vet and wanted our puppy's medical records from birth. When I questioned why & asked if that was required why wouldn't Pets Best request that before insuring our puppy. The Rep proceeded to attempt to dismiss my concerns and then raised her voice and attempted to speak over me when I was speaking. I told her she didn't have to speak to me in that manner & to lower her voice and also to keep in mind that I was paying over $73.00 per month, which is an extremely high premium for puppy insurance. In her raised voice, she said she appreciates that however that's not we are speaking about.. I told her, that's no way to speak to a customer because it is my insurance premiums that helps pay her salary. Finally, I told her just to cancel my policy. A week later, I received a reimbursement payment of $16.00. Pets Best supposedly prides themselves in bring such an outstanding company but they should be requesting any documents BEFORE actually collecting premiums on insuring a pet; not collecting 5 months of premiums at $73.00 per month ($360.00). Being Pets Best dropped the ball at the beginning by neglecting to request certain documents, they should be reimbursing all of my premiums, less the one claim they did cover. If I didn't do a followup Vet visit, I wonder how long Pets Best would have continued to collect premiums before hassling me and not covering my Vet visits. I would not recommend Pets Best to anyone. Very poor customer service!
5

out of 5

POSTED: | BY: Margot Alexandropoulos

Have been a loyal client for 14 years

Have been a loyal client for 14 years. Helpful and professional with kindness no matter what the situation

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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