Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,161

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: Justin

Deny. Delay. Appeal.

Just an awful experience! Nearly five years of coverage and suddenly an accidental ingestion claim has been denied. We’re talking nearly $3k of charges. I filed the appeal, then received an email stating it would take 60days for review and they REQUIRE medical records from 18 months prior to effective date. This means 75months of records. Funny how easy it is to take out a policy, but never can get reimbursement. It’s just as bad as human insurance.
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1

out of 5

POSTED: | BY: Justin Young

Awful- Deny and Delay Claims is the game

Awful! They continuously look at ways to get out of paying claims and will even call your vet to ask them to alter their SOAP notes. Don't be fooled by the cute advertisements; four years of paying premiums for ZERO reimbursement after an ER visit that was a first time diagnosis.
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5

out of 5

VETERINARIAN: WellHaven Pet Health Hazel Dell

POSTED: | BY: Ann Correll

I almost lost Him

I'm 84, and Wee Willy is my constant companion. His legs started giving out, and I knew he was in pain, so I considered having him put to sleep. Dr Wubben asked if I could try therapy, and without insurance, the answer would have been no. I didn't know how much would be covered, but I thought I would take whatever was offered and be grateful if there were a chance. PetsBest covered around 75% of the bill. I was shocked. Taking out insurance on Wee Willy was the best thing I've done for my fur baby.
1

out of 5

VETERINARIAN: Advanced Animal Care

POSTED: | BY: Daniel Bryant

Worst communication ever

Pets best- we got your claim if we need anything we’ll contact your vet. Weeks later: claim denied! On investigating, they contacted wrong vet (how?) and never got a response and denied the claim! Never contacted me just put it in the claim that it was denied for lack of supporting documents. This is a six month old puppy with his first ear infection! All clearly stated on original docs provided with claim, as well as the vet who treated him. Now almost two months later, still dealing with this claim. I will be finding a different insurer
5

out of 5

POSTED: | BY: Debra Schultz

Happy With PetsBest

PetsBest is my first experience with Pet Insurance. I have been absolutely happy with it. From the simpicity of filing claims, to their 24/7 Pet Helpline. And its afordable.
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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 Pet Insurance detail
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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