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.
1

out of 5

POSTED: | BY: Anonymous

Poor communication/Let's just cancel your claim!

So disappointed in this insurance. Vet has sent information to PetsBest numerous times and still they won't accept my claim. Nothing gets done unless I call and ask the status. They even cancelled a claim because they never received the paperwork (after it was sent multiple ways to them) - they gave me a special fax number that they promised they would receive it on, and claim they never received it! I am tired of following up and requesting info. They even had the nerve to ask me to call my vet again -- I told them to call themselves, I was DONE! My vet said they have multiple clients with the same issue with this specific insurance.
5

out of 5

POSTED: | BY: Rick D.

Claim Was Initially Denied. Went ...

Claim was initially denied. Went through the appeal process through my vets office, and claim was then upheld. Very satisfied with the eventual outcome of my claim. Will recommend to friends.
5

out of 5

POSTED: | BY: Peter C.

You All Have Been Wonderful In Th...

You all have been wonderful in the financial care of my pet. I have actually been blown away. My dog has had a few rough health patches and each time you have been there for us and I cannot thank you enough!!!! So grateful for you.
5

out of 5

POSTED: | BY: Patricia O.

The Claim Form Was Very Easy To U...

The claim form was very easy to understand and fill out. The time Pets Best took to review my claim and deposit the covered amount into my checking account was very reasonable.
5

out of 5

POSTED: | BY: Jennifer D.

It Was Almost Effortless. It Took...

It was almost effortless. It took me a couple of minutes to upload the vet's receipt which showed the procedures and my payment; Pets' Best sent a check within 7-10 days. Easy Peasy!

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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