Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,162

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: Matt

Pathetic Part 2

Pathetic Part 2 Well, we did as your response to our original "Pathetic" review, we called your customer service. They claimed it was denied because of our Bulldog having "Stenotic Nares". Hmmm, to correct Stenotic Nares the dog would have to have his nostrils widened via surgery. Every Vet web site outlines this quite well. As previously noted in our original "Pathetic" review our dog needed a reduction in soft palate. Below is taken from his ACTUAL MEDICAL RECORD ON THE ENCOUNTER DATE ... Physical Exam: 5) Respiratory: Increased upper respiratory noise, elongated soft palate, MILDLY stenotic nares – no Nasal discharge tracheal palpitation unremarkable, pulmonary auscultation clear bilaterally with referred laryngeal sounds Plan Recommended palate resection Hmm, don't see any mention of "Stenotic Nare" surgery... maybe because his assessment was MILDLY. And, by the way, he did have a Palate resection. Now we are waiting for you to send us your "appeal" form. I'm assuming you will be getting a "Pathetic 3" soon after. Hey... just a thought regarding customer service... call our Vet... she would be more than happy to educate you
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5

out of 5

POSTED: | BY: Fred Underwood

Farley is pretty special to us

Farley is pretty special to us. We like the way Pets Best handled the two claims we submitted. Unfortunately, Farley is a lab puppy of 18 months and likes to put everything in his mouth. Sometimes it gets him into trouble. Thanks for your support while Farley grows up. Fred Underwood
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1

out of 5

POSTED: | BY: Zen

SHADY RULES

I signed up for the Insurance for my dog and as luck would have it my dog got very sick suddenly before his waiting period was over (2 days before) ugh. They wouldn't cover any of the expenses because they deemed it a pre-existing condition, which was fine so I canceled the plan since they were not going to pay for anything, but they pro-rated me back to the day I started the plan, even though there was a 14 day waiting period that I couldn't use it and because he got sick during that time now they wont cover anything related to it but I'm supposed to pay for that time anyway. Got me once shame on you....wont get me again C-ya
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4

out of 5

POSTED: | BY: LoriR

Funky application of deductible.…

I would give 5 stars because my claim was handled very quickly, however, the way the deductible is applied is a bit funky. For example, if there is a $100 charge, only 80% of that is applied to the deductible. I have a $250 deductible, which actually turns out to be $300 the way it is applied.
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5

out of 5

POSTED: | BY: Laura

Pets Best is our savior

Pets Best is our savior. We wish we had signed up for it with our last dog. I highly recommend it to everyone with a pet that they love.
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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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