Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,171

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: Jessica Herr

Excellent

Excellent, Quick claim review. Never been disappointed.
1

out of 5

POSTED: | BY: Deborah Woodruff

Very Disappointing Service

My dog passed away in early January and I was still waiting on the claims that I had submitted. Right after I had to pay for the following month, February, my claims were posted as denied. So, not only were every single one of the medical bills that I had recieved denied. But I was also charged for the following month before being informed of this. This was particularly painful because my dog succumbed to her sickness before any of this occured. When I called to explain the scenario, we were informed by the representative that maybe I could get a partial refund for February. About a week later, I received notification that this also was denied. All this to say, I will definitely not be recommending PetsBest to any of my fellow animal lovers and will be warning any one considering pet insurance away from this oarticular company. Very disappointed with the service offered by PetsBest.
5

out of 5

POSTED: | BY: Jeanette

Best pet insurance I’ve had

Best pet insurance I’ve had. This was my second claim and just like the first they covered about 90% of my dogs hospital bill. My check came quickly so I was able to payoff my CareCredit bill well before due date. I’m always pleased and impressed with the customer service I receive and recommend PetsBest to all pet owners.
5

out of 5

POSTED: | BY: Emily

Great Insurance!

I purchased PetsBest for my pup in Jan of 2022. During Thanksgiving she came up lame and we went to the vet. She was diagnosed with a CCL injury and would require surgery. If I hadn't had this insurance, there is no way I could have afforded the $3,900+ procedure. Thank you PetsBest for making the process easy processing our claim in about 2wks.
1

out of 5

POSTED: | BY: Nikki Nichols

This is the absolute worst insurance

This is the absolute worst insurance. My dog's coverage began in November 2022. In January 2023, I took her in for hair loss spots. They gave her allergy pills to try; although, it wasn't confirmed that was the issue since she had no other symptoms. Claim was denied due to being pre-existing. I've NEVER taken her in for hair loss. I took her in twice (back to back) at the end of January because she was extremely ill, throwing up and had flu-like symptoms. Claim was denied due to being pre-existing. The first visit of those two days was listed as allergies, also, when it was very clear she was in there due to being sick. How is it possible for a gastrointestinal illness to be a pre-existing condition? Needless to say, I will not be renewing this policy. Big scam. They take your money and deny claims. UPDATE: Because my dog had an ear swab for an ear infection prior to the policy, they denied her recent visit when they swabbed her ears to rule out an ear infection. So they basically will attribute any type of sickness as pre-existing, even though it's an illness that can happen multiple times and is not related to any previous instances. THIS COMPANY IS A TOTAL SCAM!! I wish we could respond to their ridiculous answer, which shows that they are a scam, because any type of illness will always be considered pre-existing, even if it's the flu. They are a SCAM. They take your money and deny your claims. And their "chat" doesn't work. You sit there forever only to get it canceled and told to call in.

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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