Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,152

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.
3

out of 5

POSTED: | BY: Never again

I received 3 phone calls on my first …

I received 3 phone calls on my first claim. 2 of them were strictly about Benadryl. They denied part of my dogs claim because I personally without a rx gave my dog benadryl. I brought her to the vet to find she had an ear infection. They denied this part because I have her benadryl in Aug. They didn't ask if it worked and they didn't ask why. What one has to do with the other I will never know. This was my pets 1st vet visit besides when she was 8mos which never determined her to have allergies so the response is invalid in my eyes
2

out of 5

POSTED: | BY: Sally Dayton

I have major medical plus wellness plan …

I have major medical plus wellness plan on my poodle. Just received the EOB for dental cleaning and only received $96.00 with note that exceeds annual allowable amount. This is the 1st time Pets Best has been billed for this procedure so how can it exceed the allowable amount? I pay in excess of $700.00 annually for his insurance, what a rip off.
5

out of 5

POSTED: | BY: Steve Tiso

Their claim review is easy to do

Their claim review is easy to do, they are fast and fair. All excellent
5

out of 5

POSTED: | BY: Ashley

Great decision in Pet insurance

I learned about and purchased Pets Best for my dog and cat because I work for Farmers Insurance, and they have partnered with Pets Best to better serve our clients needs and offer this added protection. Working in insurance, I know it's something you expect to pay for and hope to never use. I never expected my dog would be diagnosed with osteosarcoma (bone cancer) less than six months later. :( I submitted the claim and they got to work on it within a few days. Unfortunately, to no fault of their own, my primary vet took quite a while getting vet records to me, which delayed the claim. But every time I called or emailed Pets Best with questions, they were easy to reach and very friendly. My claims have been paid promptly and correctly for my policy. I had my reimbursement within about 4 or weeks of filing it, but over two weeks of that was due to my vet delay. Assuming this kind of treatment continues, I plan to have every pet insured with them for life. Thank you Pets Best, truly. My dog wouldn't have received the aggressive treatment without this policy. Forever grateful for that!
5

out of 5

POSTED: | BY: Jen

Peace of Mind in an Emergency!

I have used Pets Best for the past 2 years or more for my rescue dog. She's a mix with a lot of Cattle Dog in her, so you can imagine how much trouble she can get in to! When I first adopted her, she had to have a tooth extraction due to decay (presumably from her time living on the streets before she was found). Pets Best wellness coverage reimbursed me a portion of her tooth cleaning, and clarified the reasoning for the partial coverage. More recently, she was attacked by an animal while outside in Kentucky farm country. We just moved here. She needed an emergency vet procedure to clean out the wounds, receive sutures, and have a drainage tube inserted. At $800 out-of-pocket, I am SOOO happy with Pets Best. I submitted an itemized receipt along with her emergency vet discharge summary with my accident claim and a few days later had my response. Pets Best covered about 70% of the charge (Out-of-Pocket cost less my Co-pay and my Deductible). It very clearly explained what was covered and what was not. I received a check in the mail shortly after. Fast, no hassle claims! Love it! PLUS! They offer an on-call vet phone service through one of their partners for 24/7 question support. I have made numerous calls... How runny is too runny? Should she be sleeping so much? Why might her leg be sore? Do I need to take her to the vet? And so on. Overall, very pleased!

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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