Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,171

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: Michael Tinoco

I have been a Pets Best member since…

I have been a Pets Best member since 2020 and I am completely satisfied. Jeezy is the most important member of my family and his well being is equally important. Pets Best has been a great supporter and I plan on being with them for many years to come. They also process claims rather quickly and the communication is excellent, as well.
1

out of 5

POSTED: | BY: Nancy Parr

Should be Pet's Worst My puppy is dead

Should be Pet's Worst. I purchased a policy for my new puppy. After the waiting period I took her to the vet because she began limping.She was diagnosed with severe hip dysplasia and was euthanized because this very unethical would not accept my claims. Instead they backdated and cancelled my policy so I could not file a claim for my other vet bills.
5

out of 5

POSTED: | BY: Xochitl Moya

TurnROUND TIME IS SO GREAT!!!

TurnROUND TIME IS SO GREAT!!!
5

out of 5

POSTED: | BY: Joanne Centola

Always excellent service No regrets

Always excellent service No regrets , that I have this policy!
3

out of 5

POSTED: | BY: MH A

Honest Review

Let me start off by saying they are a competitive and legitimate company. However their claims process is very long and your first initial claims are handled poorly. Your claims are also handled depending on how competent the staff is which in my experience is a very minor few know what their doing. I was told so many contradicting things by agents and made me extremely stressed and questioning why I bought this insurance. However through all the hassle and wait time I went through my claims were eventually approved. My pets medicine is also approved which is a big help. I'm concerned on where my rate is gonna go when my policy is up for renewal as I don't have full trust in this company with terms of that. I feel they might lure you in with a lower price to be stuck with a higher one later on yet I cannot speak to this yet but have heard stories that the rate increase was high. I want to note when signing up it was agreed to a 21 day processing time, but then changed to 39-45 days average time for processing. I'm not sure that is all that fair to the customer. I also made sure to provide all documentation needed for my pet from when adopted with all vet records on file and still had long processing times. When I spoke to an agent pets bets told me they didn't have this information and I had to resubmit all my documents, further taking away my trust. Again, All my claims have been approved so my rating is solely based on compensation and their plans. They have the highest reimbursement limits, lowest deductible, and lowest annual cost. But processing time and customer service needs work, for transparency to customers and to gain faith their protected. Im going to see where my policy goes and get a good idea how this policy will hold up in the long term with more time. Hopefully they gain my trust and faith I can keep long term.

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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