Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,947

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: Liz Workman

I need to look for new pet insurance

I need to look for new pet insurance. Submitted a $500 bill and was paid $15.00. This twice now I’ve received little to nothing back in a claim.
Read more on Trustpilot
3

out of 5

POSTED: | BY: Jon Davis

Good coverage. Steep premium increases.

I am very happy with the coverage and ease of filing a claim. However, my premiums have now increased 45% on a 2 year old insurance policy for a dog that is less than 3. That’s pretty steep and a poor business practice, in my opinion. People will either cancel the policy or make more trips to the vet to justify the cost of coverage. The claim reimbursement is also now taking considerably longer than when I first took out the policy. Pretty typical, more money for less service. Not sure how much longer I’ll keep the policy. At a certain point you might as well just put what you’d pay in premiums, into a savings account to cover expenses and have your own insurance policy. At least that way if you don’t need treatment for your pet, you’re not throwing your money away. I understand it’s a business that needs to make a profit, but a 45% increase in just 2 years is a bit absurd. If the upward trend in premium costs continue at this rate, I’ll most likely cancel the policy. If not, at this rate of increase, I could end up spending over $30K in premiums (not factoring in a $250 deductible and the co-pay) on a dog with a life expectancy of around 13 years. Quite the gamble.
Read more on Trustpilot
4

out of 5

POSTED: | BY: Chris Labenz

Pets Best made the claim process very…

Pets Best made the claim process very easy. The company paid the claim just as the coverage allowed. My only complaint was that the processing time from the time the claim was submitted until payment was extended.
Read more on Trustpilot
1

out of 5

POSTED: | BY: Heidi

Awful

We had been recommended petsbest by our vet when we had brought our dog in. We had bought her two days before we signed her up for pet insurance. She had a seizure a week later and pets best is considering it pre existing. Not sure how it's pre existing when we literally just bought her a week prior she was 6 weeks old. I will never recommend this company to anyone. Our dog was diagnosed with a liver shunt and we now have to put her to rest as we can't afford her surgery and petsbest won't help cover any costs due to it being "pre existing"
1

out of 5

POSTED: | BY: Tonya

Pets Best Thee Worst

I wished I had done more research before I decided to go with this company. It seems that they are The Best at denying claims. God forbid that your dog as diarrhea at any point in their life. As Medication, Nerves, Surgeries, Bad Food can cause it. To them its a pre-existing condition. My poor baby had a Foreign body surgery and went in for her first follow up. And hunched posture was mentioned in that visit. Well having your stomach cut open isn't very comfortable to say the least. On down the road a bit, my baby had an FCE which is the acute death of part of the spinal cord, caused by an embolus of fibrocartilaginous material. So pretty much a stroke. Pest Best denied the claim because of the Hunched Posture noted at her follow up visit from her Foreign Body Surgery!! So they basically said that her stroke was pre-existing. Hunched posture is a pre existing condition to a stroke?! I shouldn't have had to appeal that claim, as hunched posture has nothing to do with a Neurological issue. SO to save you time and the headache, Stay Away don't think twice. I've already done the home work for you, the hard way! You're Welcome!
Please leave a review

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 Pet Insurance detail
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.
Provider website

Get a quote today

Leave a review