Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,177

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.
5

out of 5

POSTED: | BY: Scott

Switched to Pets Best and love it

I switched to Pets Best after a few years with a different provider. Basically they provided greater cover (twice the limit and preventative care), a lower deductible and a lower premium. This combined with a fair claim process makes Pets Best the winner.
5

out of 5

POSTED: | BY: Amanda Courtney

I was always able to speak with a…

I was always able to speak with a helpful person. They were more than just a phone operator very personable people. Every question I had was always answered. They helped me work my claim I thank you so much and would recommend them to anyone who's a pet parent.
5

out of 5

POSTED: | BY: Vilma Deliz

The claims are answered promptly and…

The claims are answered promptly and are well explained every detail.
1

out of 5

POSTED: | BY: onlineshopper

READ ALL THE 1 STAR REVIEWS ON YELP

READ ALL THE 1 STAR REVIEWS ON YELP, GOOGLE, AND BEWARE: This pet insurance agency gets you looped into a scam of a policy where if the same accident happens twice, they don't care and won't let you use your policy. Their team also DISCOURAGES YOU TO APPEAL CLAIMS. When my ER Vet called Pets Best to send in a letter to supplement a claim appeal, the customer service agent directed for the vet to NOT APPEAL even though the same accident happened in a different situation. The fact that someone who works for Pets Best would try to sway a vet's right to appeal is so unethical and proves that their own staff knows this insurance agency doesn't authentically care about it's pets/owners and does not review each case based on individual circumstances. Once I voiced my discontent with this situation, I still waited 6 months to get an appeal answer (while still paying for a policy that I thought would later support me) and was still rejected. I've complained about this malpractice of discouraging to appeal multiple times in calls with various agents and asked to speak to a supervisor and was then told to email the main customer service email. I asked to speak to a supervisor over the phone again and haven't heard anything in 4 days. If you're looking for a pet insurance that genuinely cares and empathizes with their clients and makes you feel supported in stressful times of need, like receiving financial support from $5000 in ER bills, DO NOT select Pets Best. They'll take your money ($2,000 in my case) and not blink an eye when you actually need help. I'm at the point where I just want a refund for wasting my hope and energy, considering I haven't received a single cent in support from my claims.
2

out of 5

POSTED: | BY: Angela T

Expensive for limited benefits

Monthly fees keep going up and benefits going down. Didn't get reimbursed for wellness exam even though I've been paying this monthly fee for years for that coverage. Also, response time has slowed down. Time to move on.

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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