Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,169

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: Angel Abbott

Not worth the money to pay for insurance when they won’t reimburse

Not a happy customer. I was told that my dog already had the max benefits for a wellness exam and her wellness shots and that they were not going to reimburse me for the cost. So, you’re telling me that you would rather have my dog suck them being taken care of before you will reimburse me. Not worth the money I pay to have insurance on my dog. I will be going elsewhere!
3

out of 5

POSTED: | BY: Bri

4 years with Pets Best BUT.......For…

4 years with Pets Best BUT.......For the first time ever I made a claim on my purebred Duck Toller, for her teeth extraction. I am now on day 19, waiting patiently on the whopping $265 i will get back off my $800 bill with a $500 deductible. I pay for 2 dogs $177 every quarter, (one purebred one mix breed) I am starting to think after the hassle of trying to get reimbursed after 4 years that I am better off paying out of pocket...YIKES. Beware, extremly LONG time to process claims.
1

out of 5

POSTED: | BY: Steve Volponi

Be prepared to jump through hoops

We have been Pets Best customers/members for years and have four dogs insured with them. Recently we submitted a Vet/Hospital claim for one of our dogs, and ever since we are just getting the runaround. I would not do business with them. This has been a horrible experience. It feels like they keep inventing new hoops to jump through hoping we get tired and give up. They have had no problem collecting our payment each month for years, but when we submitted a claim, we're having to battle. Here's what's happening: I submitted a claim for a hospital bill and a vet bill for the same problem for our dog, and ever since we have been getting the runaround. Meanwhile, we are out more than $2500. First, Pets Best denied the claims stating that they didn't receive the medical records, even though the Vet and hospital stated that they sent the records and provided email confirmations that they sent the records. That required us to take our time to have the Vet resend the records. That day, I confirmed with a Pet's Best rep that they received the records and had everything they needed. Weeks go by and I don't hear or receive any emails from Pets Best, so I call again, and I'm told they now need SOAP notes from the Vet. Of course, they never contacted me to mention this new request or let me know that they didn't receive the needed additional records from the vet. Today we are headed to the vet to request the SOAP notes are sent. I'm hoping there will be no new hoops and they will fulfill their end, but after what we have experienced, it doesn't look promising. All in all, find an insurance company that doesn't play games or makes you work to get your claim reimbursed!
5

out of 5

POSTED: | BY: Paige Nast

Love using PetsBest

Love using PetsBest! It is such a peace of mind knowing all my fur babies are covered. I’ve used PB for a handful of claims and all were handled quickly as promised. Highly recommended!

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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