Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,177

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: Lucille Staiano

BEST PET HEALTH INSURANCE

Pets Best is literally the best and most affordable pet insurance. When I first got my Yorkie, he had intestinal issues even as a puppy. He's had several blood tests, ultrasounds and x-rays, and I've been to the emergency vet hospital in addition to his regular vet more times than you could ever imagine. He ended up getting an endoscopy and it was determined he has IBD. He was very sick at one point, and lost so much weight that I didn't think he would make it. Pets Best paid every single claim without any questions including all the medications he was given. I could never have afforded to pay that kind of money, and am grateful for getting Pets Best insurance. I highly recommend them!
1

out of 5

POSTED: | BY: J T

Poor communication and customer service

I was denied my claim due to a vet not responding. Which is completely legitimate but it took me a month of waiting on hold and having no response to emails to even figure out what they were looking for. I kept getting emails saying I didn't need to do anything and after weeks of trying to contact them I finally got a person to write back via email to say they didn't have my vet info. A couple weeks later it was denied. If I had known the vet wasn't responding I could have called them but I am just going to cancel and move on. Only now I have a pre-existing condition that won't be covered.
1

out of 5

POSTED: | BY: david griffith

just got my renewal policy up 31%...

just got my renewal policy up 31%.... CROOKS
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1

out of 5

POSTED: | BY: PMD

Consider other alternatives.

My company offers this insurance as a new benefit to us. We still have to pay individually but it's nice to have it come out of my paycheck to handle the monthly fees. What I have noticed is they are very selective about picking through each invoice, makes multiple back and forth situations that you need to provide additional documentation from the VET. Claim processing time...... It's painfully slow. Still waiting on a claim from 6/10 to be processed. Multiple emails saying sorry for taking so long. Once these outstanding claims finally process, I'm going to be strongly considering switching to another provider.
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1

out of 5

POSTED: | BY: Chris Olsen

I submitted my claim on 13 of June, and still hasn’t even been been addressed and here I had to pay extra for my credit card based on the fact that I couldn’t get the payment made in the 30 days and no communication whatsoever

Painful and cost me more
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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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