Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 15,698

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: Janelle

Overall Great, but not happy about one thing

"Overall we were very happy with our experience with PetsBest. The website was easy to use, it was easy to make claims, customer service was helpful, and we received our reimbursements in a timely manner. However, we were very unhappy when a critical prescribed medication(herb) was not covered. Our dog was having SEVERE, possibly life threatening nose bleeds because of his cancer. The medication prescribed was Yunnan Baiyo. I understand that that medication is an herb, and technically 'herbs and supplements' are not covered under our policy. We were denied several times for that medication. I twice appealed that decision, with no success. I feel that consideration should have been given to the fact that this medication was not being prescribed as a supplement or as a holistic herb. It was a CRITICAL medication given to PREVENT and STOP our dog's heavy and excessive bleeding from his nose. Our vet told us that had he not had this medication he could have lost so much blood that it would have been life threatening. I hope that in the future you can take into account the cause and critical use for certain 'herbs', such as Yunnan Baiyo. Please add Yunnan Baiyo to your list of covered medications, or herbs. "
2

out of 5

POSTED: | BY: Alissa

Deny Claims Left amd Right

My dog had a Cruciate Ligament issue. They said the insurance wouldn't cover it because it happened within the first 6 months of the policy. Fine, I understand. HOWEVER... she has not had the Cruciate Ligament issue for more than a year. They keep denying claims because they are trying to tie it back to the Cruciate Ligament issue. 2 Doctors signed a letter that said she NO LONGER has the Cruciate Ligament issue. What she has now is something entirely different! They keep denying the claims. As well, if you do Platelet Rich Plasma injections, they consider those Holistic medicine. I called them before I did the injections and the guy I spoke to said they were covered. They are not! You have to read the fine print with these people.
1

out of 5

POSTED: | BY: Jenna

Awful

Every claim wether injury or otherwise was denied I’ve paid thousands of dollars over years and they reimbursed 228.00
5

out of 5

VETERINARIAN: Frederick Cat Vet

POSTED: | BY: Debbie

PetsBest IS the BEST

We could not imagine having our two cats without Pets Best insurance. It’s so easy to file a claim, the options for premiums are fantastic, and we get payment from them so quickly, usually within a couple days!!
5

out of 5

POSTED: | BY: Alyssa

Eternally Grateful

I wrote this after my best friend, opie, died, to the insurance agency and thought i'd share here "Hi there - I've been meaning to connect with you and just share my experience and appreciation with you. I've been with Pets best for 5 years, and the care we received it truly remarkable. I'm used to always fighting with insurance companies about the fine print but everything was beyond seamless with you. Most importantly, and recently, our 5 year old dog, Opie, got acute lukemia and within a week, passed away. It was sudden, and excruciatingly heartbreaking. I was worried that you wouldn't cover is endless hospital visits that week, or the possible chemo care but I just got "yes, we'll take care of it" responses for you. I never had to choose between care for opie and finances. What a blessing. And in this world, what a rarity. Thank you from the bottom of our families hearts for your compassion, and overall generosity while making our lives easier in the worst times of our lives. Thats it. x"

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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