Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,573

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: Susan

Pets Best Is A Life Saver, Part 2

I posted a review about Pets Best on 9-9-10, but all of it wasn't listed. Part 2 - I began to see the importance of having insurance after Hannah became ill in December 2009 and was diagnosed with Immune Anemia/Thrombocytopenia. I was not prepared for the severity that this illness could cause. Since December I have filed 23 claims for Hannah's illness and Pets Best has paid 80% every single time. In my eyes they have extended Hannah's life. I would have had to euthanize her because I wouldn't have been able to afford her medical payments on my own. Through all of this Hannah has not given up. She still wakes up every morning and is ready to eat, she likes to bark for a treat, ride in the car, play Hunt & Find, and watch her Nana cook in the kitchen. So I want to make sure I give her the best care possible. Thanks Pets Best for saving the life of a very special friend. This is what having insurance is all about.
5

out of 5

POSTED: | BY: Alice

Good coverage, efficient processing

Very satisfied with cost of plan, what was covered and amount that was reimbursed on my seven month old English Bulldog. My friend's recommended Pets Best because they were also pleased with the company.
1

out of 5

POSTED: | BY: Bernard

Pets Best is a FRAUD!!!

I recently purchased insurance from Pets Best in July 2010 after I got the bill for my beloved "Clarisse" who passed away in May 2010. The total bill for her was $4600.00 dollars. I just wanted some peace of mind as I'm a multi cat owner. I researched various companies from your sight and others and I thought Pets Best offered what I needed. WAS I EVER WRONG!!! I submitted a claim for "Lucky" approx 10 days after the 14 day waiting period. Lucky developed urinary output complications. I took him to my vet and she performed an x ray and various other tests. He was put on a special diet for a month but to no avail. Lucky was then given an ultrasound and the stones were still present. He required surgery on September 8, 2010. I was informed my initial claim for the x rays etc; had been denied due to what Pets Best considerd a pre-existing condition! How can it be pre-existing if he showed no symptoms? If he had no medical issue's for the last 12 months, how can it be pre-existing? Wouldn't tumors and cancer be pre-existing? It was explained that the stones were pre-existing because it took "some time" for them to develop! I asked customer care what does some time mean? If Lucky had the symptoms later on this year, say in November, would it still be pre-existing? They couldn't answer! Now, I'm out another $2400.00 dollars! STAY AWAY FROM PETS BEST!!! All they want is your hard earned money!!! I have filed complaints with the Department of Consumer Affairs and the Department of Ba
4

out of 5

POSTED: | BY: Judy

PetsBest the best

I belonged to VPI and was not happy. this is true of two of our other family members not living with us. We have been with PetsBest for 3 to 4 years and they have done well for our animals and us. We would not even try another insurance company.
5

out of 5

POSTED: | BY: Susan

Pets Best Is A Life Saver

I wanted to share my experience about my Pets Best insurance. I am a retired teacher and upon my retirement I knew there would be a decrease in my monthly income. So, I began to search for insurance coverage for my two cocker spaniels Hannah 11 and Gabriel 6; mainly to cover their yearly checkups and vaccinations. My first choice was VPI because the brochures were displayed at my vet's clinic. After looking on their website, they had exactly what I was looking for in a policy, but as I began filling out the information for each pet I was told they no longer were issuing policies for pets 10 years or older. Hannah had just turned 10. Since she has never been seriously ill I almost just got a policy for Gabe, but that little inner voice told me to wait. So, I began another search for insurance that would cover both of my dogs. I am a big fan of Dr. Shawn Messionnier's website and as I was searching his website that day he mentioned it was a good idea for pet owners to get insurance coverage on their pets. He also recommended Pets Best insurance. I checked out their website and was pleased with the coverage on their policies. They also offered coverage for pets over 10. So, I signed up in October 2008. I have had to file Wellness Claims and a few illness claims since signing up with them. They have been prompt in their payments and paid exactly what they said they would pay. I began to actually see the importance of having insurance after Hannah b

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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