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.
2

out of 5

POSTED: | BY: Gwen Amos, MS, MPPL

I took my German Shepherd to the…

I took my German Shepherd to the veterinarian for ear infections. Pets best refuses to cover these ear infections saying that it is due to his allergies even though their veterinarian has plainly stated that it has nothing to do with allergies. This has cost us over $2,000 which pets best is refusing to assist in covering because they say that it is a pre-existing condition even though the veterinarian has stated that it is not and I have done research and sent it to them proving that it is not his allergies that are causing these ear infections. I have given them two stars because when they do cover they cover well and they cover fast. Date is as close as I can remember it's accuracy. The reply from Pets Best is inaccurate, as well. The ear infections was not caused by allergies, was after all time periods, and should have been coverable. I would not recommend Pets Best as anything more than Pets worst Insurance. They do not know the difference between an ear infection and allergies, nor do they listen to the veterinarian who has more education about the working of your pet, than an insurance claim adjuster. They appear to think themselves comparable to a vet, but they are not
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1

out of 5

POSTED: | BY: BRENDA ALLISON

I purchased this Insurance in October,9…

I purchased this Insurance in October,9 days later my dog had a bloody stool issue,went to vet,they ran tests,I submitted to Ins they denied stati g pre existing condition which she did not have.I appealed it and still have not heard anything from them except an spology it's taking so long.I reported to them over a week ago its taking too long they said they would write down complaints. Don't ever get any replies to emails or calls,ye
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1

out of 5

POSTED: | BY: Kari

terrible service long claim processing times

terrible service and claims processing. the staff doesn't actually care about the customers they are understaffed they never have any answers as to claim status. you do not strive for the best experience, 7 days before documents are uploaded when emailed to you! managers telling me not to call because asking for status is frustrating is not a good experience. you team does not communicate are and your programmers have given you a terrible system with no status updates it's 2023! level up or go out of business. your company is known as "a joke".
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5

out of 5

POSTED: | BY: Carol Hemberger

Timely claim processing

The claim process was easy and action on the claim was timely.
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5

out of 5

POSTED: | BY: jacob sahagian

Pets Best is truly a great insurance…

Pets Best is truly a great insurance company. They have different plans for different furparents. I know I can walk into any vet office and not I’m worry about the cost because Pets Best honestly takes care of you and it is a relief knowing your pet can be taken care of. IT IS WORTH EVERY PENNY.
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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.
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