Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,620

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: Denise

Legitimate Claims Denied and No Process to Dispute or Reconsider

Pets Bests denied a legitimate claim for coverage on the basis that it was a pre-existing condition. It was not. The website offers no ability to dispute a denial and erroneous explanation of benefits. Individuals are directed to call a customer service phone number that is not answered by anyone, even AI. Instead, a text message is sent instructing you to go to the website, or call the same customer service number that is not answered. You are placed in a loop that appears designed to frustrate individuals and avoid responding to inquiries. Pets Best provides no ability to dispute a claim and offer no actual customer service. This is contrary to insurance industries standards.
5

out of 5

POSTED: | BY: Prudence Brown

Wellness claims have excellent turn around

Excellent turn around on wellness claims. Would like a summary of claims processed and remaining balance.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Debi Naccarto

Best decision I ever made for my dog

Best decision I ever made for my dog. Affordable. Easy to submit claims. Quick turnaround. Wide coverage. Thank you.
Read more on Trustpilot
1

out of 5

POSTED: | BY: Laura Heppell

Long wait times and opaque coverage

The claims take months and representatives are unhelpful with explaining the policies. I called to ask if a service was covered and they just said "It's what's in the benefits guide" when I was asking for clarification on what's in the benefits because I read it and didn't understand it. Terrible coverage and really not worth it. Despite close to $1,000 of vet expenses this year plus paying over $300 for this insurance, I barely met the deductible and have only received like $40 in reimbursement. So I have spent more money on the insurance than it is worth. If I knew this I would've shopped around longer for other insurances but it's too late to switch at this point because now my pet has "pre-existing conditions".
Read more on Trustpilot
5

out of 5

VETERINARIAN:

POSTED: | BY: Mary

A Lifesaver!

I cannot praise this company enough. I never imagined having two puppies with major issues arise in their first year of life. One of them has an autoimmune issue that has resulted in several ER and specialist visits. Pets Best covered everything as promised. The other puppy fractured both of her front legs, then managed to somehow rebreak one of them. The one that rebroke turned into complication after complication. Pets Best has covered more than I ever imagined. Surgery after surgery, ER visits and follow ups with the specialist and rehab vet. Medications have also been covered. I'm beyond grateful for Pets Best for taking the financial stress out of caring for these little dogs that have had so many problems. The claims are processed in a timely manner always within the time frame promised at the time the claim is submitted. I couldn't be happier with our experiences so far. I recommend Pets Best to everyone that has a pet.
Please leave a review

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.
Provider website

Get a quote today

Leave a review