Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 14,134

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: Brittany

They make cancellation as confusing as possible to lock you in

I fortunately haven't needed to submit a claim for my pet so I cannot speak to how they process claims. However, the rates went from $29/ month to $73 for my single cat. I cancelled on August 28th via email, received a response on September 2nd that the cancellation was backdated 8/29 and yet was charged 9/8 the full premium amount. I filed a complaint with the Colorado AG due to how the company handles cancellations as both California (where the policy was started) and Colorado (where the policy was most recently active) require companies that have autorenewal, allows customers who sign up online be able to cancel online which Pet's Best doesn't offer. In violation of both CA and CO law. To rectify this, I ended up calling in, 1st rep was great, I really wish I got her name because she was wonderful. Second rep Erin had an attitude from the get go like she personally was affronted that I wanted to cancel my account, said she couldn't give me a timeline for cancellation. I obviously had questions, because there hadn't been clear communication on the cancellation process but Erin started getting angry and when I asked her why is she so upset when it wasn't her money she started crying which was crazy. I've never dealt with someone customer facing get so emotional, like out the gate started the call with an attitude. I the customer shouldn't have to ask a rep 3 times to check their tone and not to get upset because a customer has questions. Luckily a supervisor was able to join the call with a clear head, immediately processed the refund and the made sure the cancellation was actually completed effective immediately. Will never go with Pets Best again tbh, I don't want to deal with crazy increases and hard to reach/confusing customer service department. Big shout out to the supervisor Sebastian, he knows how to deescalate and communicate clearly with customers. Erin, please take a few days off and reset, it was too early in the morning to already be that worked up about customers. I'm so serious when I say that the day literally just started.
5

out of 5

VETERINARIAN: Greater Staten Island Veterinary Services

POSTED: | BY: Stella M A

Easy claim

"My pet had an emergency. I took a photo of the receipt went on the pets best app, followed the easy instructions on how to submit a claim and was done in a few mins. I was notified that it was received, notified about a delay than within 2 weeks received payment in the amount I expected and a written invoice which explained the details about the payment. This was a very pleasant first time experience.
5

out of 5

POSTED: | BY: Karishma Cantarero

Pets best is honest and reliable…

Pets best is honest and reliable coverage! Claims are easy to submit but can take a couple weeks to process. In the end, they always reimburse what your elected plan covers. It’s has already saved us over 10K in medical expenses for our unlucky, but very loved cat.
1

out of 5

VETERINARIAN: East Orange Animal Hospital

POSTED: | BY: Angie Giurtino

Don’t waste your money

I filed a claim for my 17 month old AmStaff. She had a skin infection and bumps all over her body. Not only did it take Pets Best a month to process the simple claim, but they also denied every single covered expense. Their reasoning?! They requested ALL of her medical records. Which is crazy because they HAVE all of her records. This was the first time she’s ever been ill. Don’t recommend them at all!!
5

out of 5

POSTED: | BY: David Kelsey

I was able to get my questions answered…

I was able to get my questions answered over the phone in minutes

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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