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: Ernie Stephens

Truly the best pet insurance company I've ever dealt with.

Our dog Riley had to undergo tests for a possible neurological disorder. Throughout the entire ordeal the folks at Pets Best were caring, understanding, and truly professional. Claims were paid within a matter of days. But what amazed me the most was how these folks really cared about what we were going thru. I'll always recommend this company to any pet owner. What a fantastic staff of caring professionals.
1

out of 5

POSTED: | BY: Sean Fitzthum

Bait and Switch

This company is a bait and switch scam. If your pet has EVER been seen by a veterinarian, for ANY reason, they consider it a pre-existing condition from then on, and will not cover it. When I called to inquire as to why my claim for an ear infection was denied, I was told that it was a pre-existing condition, and that my dog is property, and that is how they insure her. This Army veteran and animal lover disapproves!
5

out of 5

POSTED: | BY: Kate

Peace of Mind!

After having a cat with chronic medical issues who cost us nearly $20k over his lifetime, when we got our new kitten, we vowed to never make that mistake again. I work in the veterinary field and PetsBest came highly recommended by our clients and now I know why. Our kitten is quite the troublemaker, and when he started vomiting uncontrollably, I knew he’d gotten in to something. Having the insurance to back us up meant I didn’t even have to look twice at the estimate given for diagnostics and surgery. Instead I could focus on little Michael getting the care he needed. An added bonus that most pet insurances don’t offer is that as long as your veterinarian agrees, they will reimburse them directly. This meant I didn’t even have to pay up front, even though I gladly would have. It hasn’t even been a week since the claim was filed and Michael’s payment had already been processed. I could not be happier with my choice to go with PetsBest and will recommend them to future clients and everyone I know. And thanks to me being able to seek care quickly with no worries about finances, Michael is recovering rapidly from his emergency surgery and is surely on a quest for his next troublemaking adventure!
3

out of 5

POSTED: | BY: K A

Very Mix Reviews

At one time I had at least 6 dogs ensured with these people. They started off great but after a couple of years things changed. I will give them credit for making fast payments...when they pay. After they started making some questionable decisions I began moving my kids to another company but I had three with preexisting conditions and couldn't move them. I guess it depends on who reviews your claim as to what they will and will not pay. Unless you get pre-approval for a procedure, don't count on reimbursement. I had one child who just couldn't catch a break, medically speaking, and they did pay for a lot of her treatments. But when it came to my kid with cancer they would have paid for major surgery and chemo/radiation (or at least I think they would have paid for that) which would probably would have killed my kid but they wouldn't pay for a treatment that cost considerably less and was non invasive. They said it was experimental. Unfortunately they weren't able to comprehend the information the doctor had provided which explained that the treatment has been used for quite awhile. Bottom line, my four legged kid, who should have died in Aug of 2016 is still alive and didn't have any of the "acceptable" treatments. Just do your research before you pick a company.
5

out of 5

POSTED: | BY: Howard Bowen

I am happy.

I was very happy about the speed that it took to process the claim, and the reimbursement amount.

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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