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: Shana Breingan

TERRIBLE policy wording/Won't refund ER care

Ive had petsbest for my two cats for a few yrs. This past July my poor calico had to go into the ER for respiratory issues that she'd never had before. She had fluid that kept building up in her lung cavity and the ER said she needed to stay for "EMERGENCY OVERNIGHT CARE"... She was in there from Tuesday until Fri night. PetsBest tried to say her "EMERGENCY OVERNIGHT CARE" Falls under routine "officevisits/exams" therefore they would not cover it... No where in their "office visit/exam" section of the policy does it state that "EMERGENCY OVERNIGHT CARE" is considered under the office visit. I feel any common person would assume "emergency overnight care" would fall under the section of "emergency care" 🤷🏽‍♀️ but I guess petsbest doesn't consider it so. Their policy is beyond vague so you really don't know what's actually going to be covered till after the fact. Which they take FOREVER to finish claims. They also did not cover the fee of the overnight doctor informing the morning doctor how my cats progress was doing and a medication that was given to my cat at the ER that was not covered due to it being an over the counter drug which they said fell under the category of "prescription medication" even though that medication was not prescribed to my cat and was only given to her at the Emergency clinic. I can slightly understand that one but the fact they consider my cats "emergency overnight care" as an office visit makes me livid and I will be cancelling them as my provider for my other cat. Would not recommend them to anyone else I care about for their pets!
5

out of 5

POSTED: | BY: NIna

I don't submit many claims

I don't submit many claims, but when I do the experience is always excellent! Thank you
5

out of 5

VETERINARIAN: Blue Pearl Pet Hospital

POSTED: | BY: Brian

Excellent service

I just had to use our insurance for the first time. Simple claims process and the payment was made within a month. At this stage I can say I am happy I chose Pets Best for Rosie. I would recommend anyone looking for insurance for their pet to check out Pets Best . I really was skeptical about pet insurance but this really save us a lot of money. Our Pug suddenly came down with a stomach issue that required an overnight at the ER vet and the coverage really helped. My experience is only one incident with one dog and I never had insurance for a pet before to compare to but definitely satisified.
5

out of 5

POSTED: | BY: Jake

PewtsBest is the best

All aspects of my relationship with BestPets has exceeded my expectations. They are timely, efficient and communicate well. EXCELLENT!!
3

out of 5

POSTED: | BY: Bill

I signed up for a wellness plan

I signed up for a wellness plan, so I don't know why ALL yearly vaccines aren't covered.

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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