Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,160

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: Jamie Blake-Hill

Delay and Confuscate

This company insists on not paying for over $3k in medical bills (the total amt was over $18k.) They claim my baby's epilepsy was the reason he was hospitalized rather than the fact that he had a life-threatening infection. It happened Nov 22. They paid some, then denied the appeal for the rest Aug 23 (9 mo later.) Now I have to do a 2nd level appeal for which they are allowed another 6 mo to complete. This is appalling and unacceptable when I pay them top dollar for insurance for my pets. If you have a better insurance provider, keep them.
5

out of 5

POSTED: | BY: Sherry Butler

Very pleased with Pets Best

We have used Pets Best insurance for our mini golden doodle for several years. He will be eight years old in January 2024. I have been very impressed with the ease of filing claims and the prompt response from the company. I have had reimbursements directly into my bank account within days after filing
1

out of 5

POSTED: | BY: Smart Boy

Takes forever to pay claim

Takes forever to pay claim. My claim for a small amount was submitted on 7/13. I had heard bad feedback on PetsBest being delinquent on paying claims. That is so true. My deductible is $250. Claim was for $400. I was not going to file for the claim initially but decided to test their service by filing a claim. Sure enough more than 30 days and still claim status shows as processing. PetsBest should be ashamed of themselves. They deduct premium without fail. If this is their service for a smaller $ amount claim, can you imagine how much delay they will cause if god forbid I had high $ amount claim? Please stay away from PetsBest
5

out of 5

POSTED: | BY: Dr. Adrienne C. Morton

Excellent customer service

Excellent customer service. Illness/accident claims have easy turnaround. PetsBest keeps you informed during the entire process.
5

out of 5

POSTED: | BY: Sinkler and Sharon Boone

They responded and recouped some of my…

They responded and recouped some of my claim quickly ND efficiently

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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