Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,139

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: Phyllis Kahan,

Absolutely Disgraceful and Immoral

I switched insurance on my Maltese this year, when he was 12 years old, because his old insurance did not insure conditions which a dog was being treated for once the yearly renewal date came around. Although they paid consistently [though not 80%] over the years, I thought this was a bad policy to have for an older dog, a dog loved and cared for in the most tender way. Four months after being insured by Pets Best, my dog had high insulin levels. An ultrasound was done, claiming it was the pancreas. Then a CT scan, which said the pancreas was fine, but there was a liver mass. The liver mass was studied under laparoscopic surgery and it was determined it should be removed so the surgery was converted to a full surgery. They found a liver tumor and removed it and yesterday I found out that it was cancerous, although, Thank G-d, the prognosis is good. The ultrasound was $500; the CT scan 1490; the surgery $4400. Pets Best has not paid a dime! They claim it was all pre-existing. Can you belive a liver tumor was pre-existing when his vet did a wellness ultrasound in April 2011 and found everything OK; when another ultrasound was done in August and the liver was again OK, and then in September a cancerous tumor was found. PETS BEST DOES NOT WANT TO INSURE OLDER DOGS. I have appealed the ultrasound [twice} and will appeal the other two, and maybe contact parent company, Aetna. Doubt if they will do anything. I am considering going to a lawyer.
5

out of 5

POSTED: | BY: Elizabeth

Mast Cell Tumor Paid

When my dog was diagnosed with a mast cell tumor, I knew I wanted to have only the best operate on him. I took him to a board certified surgeon, and his procedure cost a total of 1900. Pets Best promptly paid 80% after the deductible, just like they promised they would. I would NEVER go with out insurance on my dogs.
5

out of 5

POSTED: | BY: Patricia Ambrose

Excellent Insurance

I am going on three years with Pets Best, and have found them to be on top of their game! Any and all claims have been taken quickly and efficiently! I highly recommend them
5

out of 5

POSTED: | BY: P. L.

Truly Pets Best

I can say without qualification that Pets Best Insurance has made it possible for me to provide quality veterinary care to my pets. I recommend Pets Best to everyone, particularly owners of new puppies. The claims process is amazingly easy and the reimbursements are very reasonable. I can't imagine not having Pets Best. It is some of the best pet care dollars I have ever spent.
5

out of 5

POSTED: | BY: roclgardner

the Best Vet Insurance

Pets Best is by far the best pet insurance to have!! Our pets are like our childrenand we should never have to choose between our animals and our budget. For the inexpensive price for a Pets Best policy, you know your furry loved one is well protected. I have been a policy holder for years and its one of the nest things I have done for me and my animals.thanks Pets Best

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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