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: Brenda Sullivan

Senior adoption

We adopted an older pug 3 years ago and insured him with Pets Best. As time has passed he has had numerous medical issues. Have subsequently insured 2 more dogs, claims process is easy and statement of benefits always easy to understand. Very happy, been the best decision I have ever made.
1

out of 5

POSTED: | BY: Theresa Konieczny

PASS THIS INSURANCE UP

I am into the 3rd month and 9 calls since I submitted a claim that qualifies toward my deductible. It's back in "review" for a second time. ALL SUPERVISORS WERE SUPPOSEDLY "IN A MEETING" AND UNAVAILABLE TO TALK TO ME. Extremely unhappy with this coverage. Yes...an Account Manager called me back.. AFTER I PUT THIS REVIEW UP!! Again... PASS IT UP... DO YOUR RESEARCH BEFOREHAND!
5

out of 5

POSTED: | BY: Audrey G. Tolman, PMP, ITIL v

Ease of use

Very easy to submit a claim which was quickly processed.
1

out of 5

POSTED: | BY: Tony

Read the fine print!

Read the fine print! I've been a customer for years and when I finally needed insurance to help, I was left on the hook. I took the cat for her annual checkup and dentistry appointment, unfortunately she needed an extraction. I thought I was going to be fine as insurance should have covered it. But, as stated in PetsBest's policy: "your Pet's teeth must have been cleaned and examined under general anesthesia by a Veterinarian in the thirteen months before the date of service for the Periodontal Disease claim". Her last examination & cleaning under anesthesia was 14 months prior thus my claim wasn't covered. I barely missed the window by just a bit and now I'm left on the hook for the ENTIRE bill. What a shame, unless you're putting your pet under anesthesia on a yearly basis (not a great idea if you've an aging pet), it's very possible that you'll miss the window to file claims as well. It feels almost unreasonable that they set these strict criteria for coverage. I did find the process to submit a claim rather easy though, so I'll give them that. 1.5 stars --------- In regard to your reply, Thank you for responding. However, this boiler-plate response is representative of my qualms with the company policies. My pet was indeed free of any signs of Periodontal Disease prior to the Policy Effective Date and waiting Period. And since the age of three, my pet's teeth have been cleaned and examined under general anesthesia by a veterinarian routinely. However, this last date of service for the Periodontal Disease claim where an extraction was necessary was 14 months ago and thus missed the mark just barely. I feel that your policy of 13 months is set to give minimal leeway to patients and deliberately absolves you of your responsibility.
1

out of 5

POSTED: | BY: Bill

Incompetant at reviewing and paying claims

Bought the insurance for my new pup took him in for his first wellness exam they paid half of the claim submitted they forgot to reimburse me for the office wellness visit which was one of the main selling points on their program I’ve given them three weeks and notify them and give them three weeks it’s been three weeks I haven’t heard anything from them yet called again today and their team still hasn’t reviewed it yet as my first interaction with progressive pet insurance I would not recommend them to anybody else if they can’t handle something simple like this I can only imagine if it was more complicated scenario

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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