Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,667

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: King Linus

I like pets best it takes a month to 42…

I like pets best it takes a month to 42 days for pets best to let you know if approve or denied for accident. However, what i dont like is if you had accident only policy and pet had a minor injury like a scratch or bite wound that could heal in like less than 2 weeks. If you decide add illness how you know if they will cover any illness. Then they say they can deny the illness say its preexisting but it depends on case. I mean thats stupid so how do i know if any illness will be covered at all in future. My cat is pretty healthy and vet says cat healed pretty good from scratch and you cant see it. Also bite wound was gone. I mean if you take action right away with accident a cat can heal if its so minor. I dont understand if you want to add illness why do they say previous injury are not covered when covered under accident. So basically if add illness its like you aint sure. I swear if my cat in future ever gets sick and they dont cover. I am go drop pets best and i will tell everyone about them. If they approve then maybe ill tell people they are ok. I mean accident they are good but illness im afraid. It is a 14 day waiting period for illness. I think my accident starts next day because i change my policy. I really think if you update the policy to illness they should not count injury they cover against you if you add illness. I mean they are get more money. They should be happy about that and somehow be able update policy without cancel it.
5

out of 5

POSTED: | BY: Cathy Paine

Easy and just as advertised.

Getting reimbursed was simple and painless.
5

out of 5

POSTED: | BY: Eve Sings

This was a simple claim but I never…

This was a simple claim but I never expected it to be resolved and approved in less than48 hours! Thank you!
2

out of 5

POSTED: | BY: Sam

Response Times and Coverage NOT Good

The response times for Pets Best are horrible. You won't hear back for 2-3 months but you'll receive multiple emails that "they're still on it." Only to wait for them to say your insurance does not cover the "routine care" that is actually NOT routine.
5

out of 5

POSTED: | BY: customer

Pets Best Is The Best

I don't have experience with other pet insurance companies. We've used Pets Best for several years now for our dog; since it was recommended by my union. We have always had very good experiences with them. The website is easy to navigate and understand. We picked a plan we liked and could afford knowing what was covered and what wasn't. We submit bills for reimbursement through the website and have never had a problem. And Pets Best even emails an apology if they don't respond quickly to a submission! Who else does that?!

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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