Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,679

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: Philip Rushton

Pets Worst review and appeal process

Further to my recent (deliberately scathing) comments re. my two claims against my Pets Best dog insurance policy (policy active for the past six months); The manager (with whom I remonstrated today and who shall remain nameless, at least fo now) signed-off our conversation by referring me to the Pets Best (Pets Worst ?) appeal process. The document (emailed to me by this manager) is clearly written/designed to deter and frustrate any complainant/complaint. It involves numerous steps that require significantly (onerous) time and effort on the part of the policy holder/ the veterinarian practice. Coincidentally, we (the doggie parents) decided to try-out a pet insurance only because our prior vet retired and we were facing a possibly unknown veterinarian-related future. Pets Best insists on correspondence ONLY via their website portal....BUT, if you really want to talk to an agent (ALWAYS ask for/insist upon a manager), ignore the 'phone prompts and keep dialing "0" until you get through to an agent...then demand a manager...the 'phone agents are clueless and you'll never get a sensible answer !!!
5

out of 5

POSTED: | BY: Debra Weaver

I was impressed with how quickly Pets…

I was impressed with how quickly Pets Best processed my claim after I submitted it.
5

out of 5

POSTED: | BY: Osama shahbaz

Pets best is the best pet insurance on…

Pets best is the best pet insurance on the market. Extremely easy to file claims online and quick reimbursement.
1

out of 5

POSTED: | BY: Thanh

Its a scam...

People who get pet insurance usually want something they can rely on to be there when their little child animal gets sick or hurt, knowing they are unable to afford the vet bills. In this case, PetsBest is a huge scam taking over a month just to deny all my claims from taking my dog to the vet from being very ill. Causing another round of bills to come by to collect just so they can take their time and say no while cashing out my monthly bill.
3

out of 5

POSTED: | BY: Melissa Ann Stevens

They find every reason not to pay!!!

They find every reason not to pay from your dogs name, not being on the bill to the items not being itemized to the bill not being a paid in full with a zero balance then they call your vet and bug the crap out of them because the bill might’ve been hand written with the Vets name address and everything imprinted on the bill it’s absolutely absurd if you provide a bill and it shows the information and the totals are there then why wouldn’t you pay the bill? Your vet is not going to allow you to leave without paying your bill ridiculous.

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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