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.
5

out of 5

POSTED: | BY: Tyler Corbley

Easy to use app and website

Easy to use app and website. They cover what they say they cover. They never give you a hard time. I wish human insurance was this straightforward.
5

out of 5

POSTED: | BY: Jim White

I have had Pets best for over 10 years

I have had Pets best for over 10 years. They handle claims quickly with no nit picking about prices. I would highly recommend them.
1

out of 5

POSTED: | BY: Lauren Tanamá Guatu Anarix

Not worth the cost and uncaring

UPDATE: The company’s request that you call customer service for help with any voiced concerns is a BOGUS and generic copy/paste response. When I called the line, no one had any idea what I was talking about. My favorite thing about Pets Best is that they have a 24 hour line for medical concerns that is staffed by a vet tech. Otherwise, financially- What I have been reimbursed over the last four years has been far less than what I pay in premiums. It would be helpful if they made an effort to remind pet owners that certain exams or interventions are due at a specific time in order for any subsequent illness to be paid for (for example, you need to subject your pet to anesthetic dental cleaning starting at 3 yrs old even if their teeth are fine, because if something ends up happening afterwards then they won’t pay for it. This happened to me after my boy went from healthy teeth to plaque fast, and I was told by an agent that I now need to pay for costly dental cleaning on my own). The prescription formulary list is pretty small, medications are rarely reimbursed. You would fare better saving your monthly premium into an account to use for when you need routine pet care. Anything seriously costly after that can easily be paid back using a service like Care Credit. If you have a holistic pet store by you, their consultations are usually free with the purchase of the products to help your pet- do that replaces the vet line and comes from a healthier approach. Save your money.
5

out of 5

POSTED: | BY: Stacy

Highly Recommended

I was a little worried after reading a few of the negative reviews for Pets Best, but I had no problems at all. I submitted my paid invoices for my dog's vet visit as well as his subsequent surgery and was reimbursed within a few weeks. I am so glad I decided to purchase pet insurance and definitely recommend Pets Best!
5

out of 5

POSTED: | BY: Mary Barkley

Always process the claims in a timely manner.

Always process the claims I’m a timely manner!

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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