Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,179

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.
3

out of 5

POSTED: | BY: Steven Levi

Outrageously Slow Claim Processing Time If You're Owed Money

Pet's Best policy is excellent BUT their ability to process claims in a timely manner is the worst I've ever encountered - ALWAYS. 2-3 weeks after you file a claim where you are owed reimbursement you always receive this email: "At Pets Best, we strive to process claims as quickly as possible. At this time, this delay notification does not require any additional information from you." Typical repayment time is 4-6 weeks. They get it right, eventually but their inability to repay in a timely manner is horrible. If they do not owe you money then you get a quick email telling you they don't owe you anything but if they do it's 4-6 weeks, This would be a great company if they ever get their act together and reimburse policy holders in 4-7 days like other pet insurers.
5

out of 5

POSTED: | BY: Carl Conte

Filing a claim is easy

Filing a claim is easy. Uploading the documents is easy. Getting the claim approved is quick. What I should have done was put my bank info on the website. It's there now but it would have saved time running to the bank to cash two claim checks.
1

out of 5

POSTED: | BY: KB

I have loved Pets Best for a long time…

I have loved Pets Best for a long time and recommended them to all my friends and family. They were super responsive both times my pet had major surgery and customer service had always been amazing. Unfortunately, I will no longer be recommending them to anyone. After 4 years of being with them they suddenly raised the insurance 56%. I asked for a breakdown so I could understand the changes and they refused to send me anything. They told me that it was based on previous claims, breed, age, and zipcode but wouldn't breakdown the exact numbers and reasons for a 56% increase. I have been a loyal customer, always paid on time, and have been marketing them for 4 years. They refuse to be transparent and I am really disappointed with them. I can understand an increase as my dog ages but, to refuse to be transparent on how they increase the cost is incredibly disheartening, unprofessional, and unethical. I would watch out with them. If I would have known I would have gone with another company. Looks like they are for keeping people around long enough to keep them hooked on existing conditions and funnel people into paying more because they know other insurance won't take pets that may have had surgery during the time you are under Pets Best. Just another greedy company. RESPONES to their reply: I have email proof that Pets Best claimed the increase was based on previous claims, on top of breed, age, and vet rates in the zip code. So your respones is inaccurate and misleading to people who are reading these reviews.
5

out of 5

POSTED: | BY: Darren Skinner

Great service and claims turn around…

Great service and claims turn around time.
5

out of 5

POSTED: | BY: Brian

Pets Best As Advertised!

Pets Best covered all eligible expenses exactly as described - and within the normal processing time - so a great job all around!

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.

Get a quote today

Leave a review