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: Tracey Jones

Sketchy on Payment of Illness Claim

The first time I sent in a claim for payment, it took an extended period of time for processing. This recheck visit, I submitted for payment and payment was denied due to pre-existing condition, although they paid the first visit where he was seen for the original problem. There is no customer service email or chat option and I work nights at the hospital.
1

out of 5

POSTED: | BY: Geneva Parks

Disappointing Service!

so far very disappointing! I have been processing a claim for over a month now. They are giving us a run around. First, they closed our claim because we did not submit them papers when we did everything they asked. Now that I have submitted them all the vet records I have of our dog since she is a rescue they said they have to contact the vet themselves and that was said 2 weeks ago and I am at the very moment on the phone with the vet because their ass only makes phone calls to request the data they asked instead of sending an email for a formal request. My dog's surgery was May 2 and I am still fighting for the claim. I am on my 4th follow-up call now and it's a different story all the time! Update: petsbest, I don't post a review just because I waited. This review was because I was given a run around. First time I called, I made sure that you had everything u need. After a week I was told no you don't and that you are waiting for another vet's record which I already sent. You said no, you didn't have it, I was promised you will call them yourselves but no one called as per the agent that I spoke with today. I called the vet myself and was emailed the docs you need and forwarded it to you but no confirmation that you received it. I'm not being petty and I have been patience. You closed our claim bec you said you didn't receive what you requested but we did our part, you didn't do your due diligence, you just closed our claim.
5

out of 5

POSTED: | BY: Arlene

Claim was processed in a very timely…

Claim was processed in a very timely matter!
5

out of 5

POSTED: | BY: Gary Kirk

An excellent insurer to work with!

Pets Best has been a very transparent and reliable company. Through their EOBs, they explain clearly what was and wasn’t covered, and make prompt payment. I’d recommend them for anyone fearful that their pet might incur expensive medical costs and/or want to take advantage of their wellness option.
5

out of 5

POSTED: | BY: Francois Marais

Amazing experience in every dealing I…

Amazing experience in every dealing I have with them.

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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