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: Sofie

NO WAY COULD I RECOMMEND PETS BEST

1/10 NO WAY I COULD RECOMMEND PETS BEST INSURANCE. Again I would not recommend this insurance Company! If you like getting about 1/4 to 1/3% of your out of poctet money for your claim then this is the one for you :-( One Claim was split into 4 claims. We have a $500.00 deductable, they split part of it at $494.00 (just under our deductable)and again 2 more times. The Claim came to over $3,300.00 and counting, with surgeries, med's, over night and folloe-ups. That the short story.To this date we have recover just over $1,500 and change (So our deductble was only $1,800.00, not bad for a Policy with a $500.00 deductable)When it comes time to pay claims, they hold back. NO Customer service also becomes poor when there is a problem. They will not change their mind re: about your payment.
5

out of 5

POSTED: | BY: Len

Thanks Best Pet!

Once again, thank you Pest Best for prompt and accurate processing of my most recent claim. Gilda, my Iggy, and I are grateful!I tell all my fellow pet owners about Pets Best Insurance :-)
5

out of 5

POSTED: | BY: Daniela

Best thing I've done

They are very good, reimbursing the expenses promptly and accurately. I have 2 dogs with cancer and if I didn't have the insurance, I wouln't be able to afford their treatments / medicines. Do it today!
1

out of 5

POSTED: | BY: Helen

PETS BEST IS THE WORST

I strongly dislike this company! 1. They gave me incorrect information by phone about how long I had to file a claim. They told me 1 YEAR and then rejected claims filed at 8 months due to being late. They have no interest in taking responsibility for their bad phone support. 2. People on the phone don't know what they're talking about. The cite the wrong vet, the wrong reason for rejection, they have to correct themselves, they will say stuff like "We decided your cat's condition was pre-existing" and when I ask how they made that judgement the reply is "Well I'm not a vet". Indeed? 3. They do their OWN diagnosis of my cat, instead of following the diagnosis of the doctor! This would never be allowed in Human medicine which goes by diagnostic codes. They want to claim that my cat's diabetes was pre-existing because he had a high glucose level 1.5 years BEFORE he was diagnosed with diabetes! The vet visit in question noted the high glucose but he also had elevated WBC and the doctor's DIAGNOSIS was systemic infection. Cats are known to have elevated glucose due to the stress of a vet visit. Clearly this company is all about collecting as much in premiums as possible, while paying out as little a possible. What a scam.
5

out of 5

POSTED: | BY: Susan M

Pets Best is Awesome!

My 2 year old Coon Hound Mix, Tasha, developed a growth on her side. I took her into my vet on Monday April 13th, I filed the claim on-line that evening, by Wednesday the claim was already processed! Tasha then had the growth removed on Friday April 13th. I filed that claim on-line Monday evening April 16th. When I got home today the 17th it was already processed! Paid at 80%! I would highly recommend Pets Best Insurance to everyone!

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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