Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,573

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.
2

out of 5

POSTED: | BY: S.

Their website has been down for over 2…

Their website has been down for over 2 months making it very hard to: 1) submit a claim 2) confirm their receipt of the claim + get a claim number 3) Can't understand the status of my claim through the process because can't access website 4) When calling to ask what the status is, I'm asked for a claim number - feels like an endless loop because I never get claim numbers with the site down! There's absolutely NO communication to their clients on the status of the website / app being fix or even acknowledgement it's down I've been on a call with Customer Service for over 40 mins and still no resolution
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3

out of 5

POSTED: | BY: STELLA

not happy

i have had this insurance for almost 8 years. at first had no problem they paid just about every claim small vet bills they pay, but larger ones they figure out a way to denied it. so you can say i'm really not happy and my pups is at the age that it's not easy to find another insurance co. to insure them.
1

out of 5

POSTED: | BY: Lissa

Frustrating Claims Process, Poor App, and Minimal Coverage

The claims process was extremely frustrating. I submitted my claim the day I took my dog to the vet, but ongoing issues with both the app and website made it difficult to log in or confirm submission. I was told this was a common problem and advised to email my claim, which was later said to have never been received. When I finally submitted it, the claim was initially denied because my dog’s name wasn’t listed. Despite my name being clearly on the paperwork. It took three months to process the claim. After the delay, my monthly premium increased, and I was reimbursed only $270 on a $900 bill. Due to the poor technology, long delays, and minimal coverage, I canceled my policy and switched to another company offering the same benefits for half the cost. The only helpful experience I had was with the representative who assisted me in canceling my policy.
5

out of 5

POSTED: | BY: KIM

Timely

Timely, great customer service and explanation of benefits. Helpful if needing to make a change in the plan.
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5

out of 5

VETERINARIAN: Garden State Veterinary Specialists Eatontown

POSTED: | BY: Cynthia

Pets Best has saved my cats life!

"I'm so thankful I have this insurance! I always get back way more money than I imagined I would! My Sphynx cat needs frequent and expensive heart scans, as well as medications. I highly recommend Pets Best to everyone! The insurance literally saved his life as I wouldn't have been able to afford all the vet visits, scans and medicines. It's hard to put the money out upfront, but Pets Best is very fast to complete my claims and get that money back to me. "
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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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