Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,572

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

VETERINARIAN: Animal Hospital of Morris Park

POSTED: | BY: Wanda

My baby Snoopy

My dog was born with bad hind legs problem. He was living in pain. We had insurance through petsbest which worked perfectly. We were able to pay for his operation. Now he is dealing with a spinal problem and hind legs problems and petsbest is still our number one insurance. Our claims have been reviewed without a problem. It's great that when situations in life arise, you have good insurance to help out. "
2

out of 5

POSTED: | BY: Rachel Lauren Zikvashvili

Raised prices by double after a year

Raised prices by double after a year, with no measurable difference in our dog.
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1

out of 5

POSTED: | BY: Anna Perfilyeva

Impossible to reach by phone

In my experience, the company is impossible to reach by phone for any questions; also you can save clients a lot of time by cutting useless informercial from the phone menu maze.
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1

out of 5

POSTED: | BY: Michele P

Deny claims and refuse to pay/apply towards deductible

2 months in my dog had an ear infection and they denied the bill as pre-existing. There was NOTHING pre-existing and there is no way I would pay $70 a month for insurance and then allow my dog to suffer for 2 months just so it could be applied to my deducible anyway. Attempted to cancel and it was a 15 minute wait on hold with high pitched flute type music (trying to drive you insane so you hang up).
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1

out of 5

VETERINARIAN: Sunset Animal Hospital

POSTED: | BY: Shella

Frustrating 4-Month Claim Dispute Experience

My dog had heartworm, and Pets Best continued to tell me it would not be covered because they believed it was a pre-existing condition. They were confusing it with my dog’s lumps, which were a separate pre-existing issue. It took hours of being on hold just to finally speak with an agent, and even then I still had to file a dispute because they were not going to return any money after we had already spent close to $2,000. My vet even had to write a letter proving and showing the facts that my dog had heartworm and that it was not related to the previous condition involving the lumps. The whole process was extremely frustrating. We were very close to ending our membership, but we had already spent so much money on the policy that we felt stuck continuing it. It also took them a very long time to review and process the disputed claim, even after we submitted clear evidence from our vet. All in all, we waited over four months to receive any money back, which was extremely frustrating and disappointing. Overall, the experience was very disappointing, especially considering how much time, effort, and money we had already invested.
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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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