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.
1

out of 5

POSTED: | BY: michael

your whole billing process is way too…

your whole billing process is way too complicated i submitted bills and you keep sending back with the need for everything to be itemized. then you close the claim? i invested in this insurance for my animals. honestly this should not be so difficult. i send you the bill and i shouldn't have to go to the vet five times to get the exact billing structure you want. not happy at all.
5

out of 5

POSTED: | BY: marcel begay

Pets Best is Best!

Pets Best is Best! I was so distraught with worry over my boy, but they assured me and stepped me through the process. They were quick to process the claim. Payment was very fast. So glad I got this insurance!
2

out of 5

POSTED: | BY: Kathleen Owen

denies claims

My claim was denied because they considered an ear infection a preexisting condition because he had one several years ago. How an ear infection can be considered a "condition" is beyond me. Be sure to check all the possible reasons for denial before signing up with this company.
5

out of 5

POSTED: | BY: Garry Marshall

PetsBest is amazing

Our 10-year-old Great Pyrenees, Yuna, was in severe pain and we didn't know why. We had her put out for full body x-rays and a couple of days later we got the news that she had an aggressive tumor deep in her thorax and had days to live. After having to make an almost instant decision to put our girl to sleep, we were hit with several large bills in just a couple of weeks. Yuna was a very special girl. We had rescued her from certain death in South Korea 9 years previously, and so we were extremely close to her. We were quite overcome with grief but, at the same time, we were so thankful and relieved that PetsBest took care of our fairly substantial claim with so little fuss, enabling us to focus on dealing with our loss. We went on a road trip the following week and rescued another Great Pyrenees, 14-week-old Daisy. Needless to say we signed her up for insurance with PetsBest right away.
5

out of 5

POSTED: | BY: Keith Prentice

Pets Best resolved my claim within days…

Pets Best resolved my claim within days and it was a smooth process.

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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