Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,152

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: Gary Yoshihara

The Claim System Needs to be Fixed

I filed a claim electronically twice and sent the information by certified mail to the Pets Best. They informed me many times the information that was sent is illegible. The veterinarian had rewritten the invoices twice, and I still get emails saying the documents are illegible. I have spoken to many customer service representative and they basically tell me the same thing as the emails. The company needs to fix their system. Why can't a simple form be filled out by the veterinarian and sent to Best Pets, along with the other information they require? The invoices that are submitted, are clearly printed and have what services were provided. The SOAP notes of the doctor explain why the services were provided. Pets Best is asking for the invoices to be rewritten, not the SOAP notes done by the doctor. Why do they ask for the doctor's SOAP notes if they are not reading them. If they were using the SOAP notes, the invoices would not have to be rewritten. This claim has been in process for several months. I had the same experience with my last claim. It's like pulling teeth trying to file a claim. Why have insurance if you have to jump through hoops to file a claim. I have been holding off submitting other claims until I resolve this issue. As of today, I need to have the veterinarian rewrite two of the invoices again. If I could give a negative number of stars, I would
5

out of 5

POSTED: | BY: Julie H

The app is very easy to use

The app is very easy to use . I wrote an explanation of why the bill was paid the way it was . Easily posted the pictures of the bill and the payment on the app . The turn around on reimbursement is always very quick and accurate !! I had never done pet insurance before , I really researched and I could not be happier with pets best !
1

out of 5

POSTED: | BY: Angela Isabella Munoz-Espinoza

PetsBest Cheap but not worth it.

Submitted my first complex claim for my dog. It’s been over a month and it’s still processing. When I called and asked for an update I was told that it could take up to 42 postal days. Also diagnostics recommended by our veterinarian were disqualified as eligible because they were considered elective. I’m switching to Trupanion after my claim is processed. Pets Best lures you in with their low monthly payments. Never again and I work in the veterinary field as an RVT.
5

out of 5

POSTED: | BY: Marina Raukhverger

Great costumer service

Great costumer service. Very reasonable monthly fees and superb coverage

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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