Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 15,698

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

VETERINARIAN: Countryside Animal Hospital

POSTED: | BY: Laura

Claims reimbursement

The EOB are very self explanatory and they have a great turn around time, within a couple of days to let you know if denied, applied to deductible or reimbursement. Very pleased with ease of filing claims and the status once submitted to the decision.
4

out of 5

VETERINARIAN: Gehrman Animal Hospital

POSTED: | BY: Katharine

Pet surgery and rehab rehabilitation

My insurance is through pet Best, but I have a very good understanding of my policy because I read the entire thing and I’ve also asked questions. Our dues have gone up every year as has everything else. But they have been good to respond. They’ve paid in a timely fashion, and I have been very pleased with pet Best and I’m glad I got insurance on my pet because we have had to use it. They have saved me thousands of dollars and I would recommend them.
1

out of 5

POSTED: | BY: Andy

Denied a common accident (dog swallowed foreign object)

Pets best denied my claim. This cost me $15,000, thinking that this would be covered. They denied paying a penny towards this, although I had purchased the insurance, with every added benefit available for them to pay 90%. I hope you will consider different insurance for your animals, this insurance is no good
1

out of 5

VETERINARIAN: West Hollywood Animal Hospital

POSTED: | BY: Damon

Punitive and overbroad interpretation of "pre-existing conditons"

We switched to this insurance thinking it was a fair policy and good deal. But after a year, we tried to make a claim based on a hotspot on our dog's paw that had become infected. Yes, our dog has had a hotspot once before in his life, several years ago. However, he does not receive treatment for any ongoing condition. All dogs get occasional hotspots. Pet's Best rejected every aspect of the claim - the visit, testing, and treatment - on the basis of a "pre-existing condition." This was obviously an absurdly broad interpretation of a pre-existing condition--since it could effectively foreclose coverage for any future skin injury, infection or irritation--and left us no recourse. This was enough to make us cancel the insurance. I should note that our previous insurer was more expensive but would never deny a claim like that. We'll go back to them.
1

out of 5

VETERINARIAN: Island Animal Hospital

POSTED: | BY: Sef

United Healthcare of pets insurance.

They asked how they could improve their services, i responded: Lower deductible to $100, pay for vaccines, ive paid $90 a month had most of my pets claims denied, hundreds in vaccines, and the one time a claim is accepted... i get $8 back after spending $660, because of the deductible and "fees". This company is the United healthcare of pets. So basically the only thing youre good for is in case one of my pets gets hit by a car and thats if they even survive. And who knows if you'd cover that, the car hitting them would provably be considered a preexisting condition.. seriously disappointed, probably going to cancel.
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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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