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: Maureen O.

I Originally Received A Rejection...

I originally received a rejection to the claim which was not for a traditional check up or vaccinations but his ongoing skin condition. I sent an email on a Saturday and was immediately called back. Representative agreed with me and put it thru for review. I am very happy to report that my claim was reviewed and payment was made.
5

out of 5

POSTED: | BY: Dalsu B.

Easy And Quick Claim Process. ...

Easy and quick claim process.
5

out of 5

POSTED: | BY: Carole M.

The Process Is Very Easy And Took...

The process is very easy and took no time at all
5

out of 5

POSTED: | BY: Mary S.

I Took My Pet Boss To The Vet He ...

I took my pet boss to the vet he was treated and I faxed my claims to pets best and it was processed quickly. Thank you Mary
4

out of 5

POSTED: | BY: Barbara G.

I Bought This Insurance Years Ago...

I bought this insurance years ago after Blackie had a huge and expensive fight. Assuming we would be in this cycle for awhile (having spent huge sums already) I got Pet's Best Health Insurance. It was like a cure for the fights. I kept the premiums up and, who would have guessed in old age, a fat shiny low key cat, my Blackie, was diagnosed with HYPERthyroidism! The Dr and I scratched our heads knowing Hyperthyroidism should have been exhibited by a skinny nervous ratty looking cat. We ran tests again and, sure enough, hyperthyroidism! As his nails were being trimmed on that visit the cat-whisperer noticed a black mass on Blackie's left eyeball. Several vets looked at it and came to break bad news to me...potential malignant ocular melanoma. We all decided to get the thyroid issue in balance and then approach the surgery to remove his left eye. The formulated Methimazole gel (a bit pricey but Pet's Best made this possible for lifetime treatment, thank you!) applied to outer ear twice daily did the trick. Onto making my darling Black cat into "one-eyed Blackie, the pirate scourge of the rodents". He went through the surgery with charm and composure...not requiring the cone collar except when WE slept (for our good, not so much his). The biopsy of his left eye came back benign...it was an ocular tumor but NOT malignant...meaning no chemo/radiation and full body x-rays every six months to look for metastasized tumors. HOORAY! No cancer and his thyroid in balance resulting in a healthy even more low keyed Blackie. Thank you, Pets Best, for the helping hand to make these big expenses not weigh on my cat's life.

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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