Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 15,136

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: Joanne Duffy

I cannot say enough about Pets Best…

I cannot say enough about Pets Best insurance. I filed a claim on a Wednesday and 2 days later I received the Explanation of Benefits showing they are paying all but $200 of my dog’s surgery costs. It is well worth the cost when your pet needs surgery. I used the Care Credit card to pay the vet and Pets Best is putting the money back on the card.
5

out of 5

POSTED: | BY: Diana B

PetsBest has always been easy to work with.

PetsBest has always been easy to work with and fast claim review.
1

out of 5

POSTED: | BY: Preston Lawyer

Pet’s Best is terrible… save your $ and spend elsewhere

Pet’s Best is terrible… the only reason I stay with them is because I’m 5 years in, and prob if switch now it’ll cost me more somewhere else. you literally get reimbursed for nothing on yearly checkups/vaccinations… spent $400+ on the visit, and got $40 back! I’m starting to question why I’m spending almost $80/month for literally nothing in return. Avoid at all cost..
2

out of 5

POSTED: | BY: Stetsie Sue

We rescued our dog from an abusive…

We rescued our dog from an abusive situation. We took him to a vet, they did bloodwork, vaccines and complete physical. Great! We moved 2 years and had to find another vet. We wanted to get him neutered and had to get the surgical bloodwork. The vet noticed that he lost weight and she wanted to wait to see if he continued to lose weight. She told me that there is some diseases that the dog acts and looks normal, but is fatal if not caught. I asked her if we schedule the bloodwork for the following week due to our waiting period. She said that was fine. Came in 3 days after the period was over. Had a complete panel of bloodwork $350. Submitted it and it was denied. Called to see why. Pre existing condition!! I told them that he was diagnosed after the waiting period. They told me that since the vet MENTIONED in the notes about it. It was considered pre existing condition! I told them that his old vet didn't mention it and he was OFFICIALLY diagnosed until he had the complete bloodwork done because you had to LOOKING at certain levels. They said no. Month later, scheduled the neutering. The vet canceled due to blood levels. Submitted it, they denied due to pre existing conditions. I called again to see why. It had nothing to do with PLE but since it showed some of the same results, it was denied. I asked them what exactly will they cover that won't be pre existing, she said well visit as long as it doesn't include bloodwork!! HUH?? Looking for another insurance, not worth it.
5

out of 5

VETERINARIAN: East Brunswick Animal Hospital

POSTED: | BY: Amanda

Excellent Pet Insurance

Very happy with the claim process and results

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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