Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,695

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: Julie

Benefits are excellent and I have found…

Benefits are excellent and I have found the PetsBest very easy to work with. I'm not worried that if something happened to my Hazel, that there would be haggling over coverage.
3

out of 5

POSTED: | BY: Sharlene Hinshaw

Claims not processed timely

You deduct my premiums on time but you dont pay the claims for a couple of weeks. You get paid immediately on my 2 pets. You never used to be this late but you have changed over the years. My pet that I just put down who was almost 15 was on HealthyPaws and they paid within 3-4 days turnaround time unless they needed medical records. You really need to work on your claims reimbursement timeframe.
5

out of 5

POSTED: | BY: LEE KAMP

We have had Pets Best for over 5 years

We have had Pets Best for over 5 years. In 2019 our 2 year old Old English Sheepdog was diagnosied with cronic Kidney disease the bill was almost $4500.00 paid in full within 30 days. In 2022 she contracted Pneumonia after 7 days at Blue Pearl hospital she passed. this bill was $14,000.00 and and they paid the 90% within 45 days. Can't get much better.
5

out of 5

POSTED: | BY: tammy rollins

Pets Best Insurance

Since day one of purchasing Pets Best for Zoey it has been an easy no hassle process. I submit my claims online and they are processed and paid very promptly.
5

out of 5

POSTED: | BY: Jessica

Coverage as the policy promises

The cost of medical care in the last two years of my sweet dog's life was around $10,000. When I brought home my new baby, I decided that it could make sense to purchase health care coverage for him to offset the big expenses that can occur throughout his life. I knew my baby would grow to around 3.5 pounds, so accidents can happen when they are so tiny. I purchased a Pets Best policy after reviewing it very carefully. Well, my baby was playing one day and his kneecap dislocated. This required an ER visit, and ultimately surgery. I found a board certified orthopedic surgeon and trusted his recommendation. He had a successful surgery. Based on a few negative reviews, I wasn't sure that PB would reimburse me as per the agreement, but they absolutely did. Staff were VERY nice to speak with, seemed concerned about my dog, and they processed my claim in 2-3 weeks which I consider timely. The EOB was easy to understand and consistent with the policy I purchased. It's VERY important that you review the details of your policy so you know exactly what you are purchasing. This avoids any disappointment when you do have a claim. You must understand the deductible, the co-pay, and any excluded expenses.

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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