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.
1

out of 5

POSTED: | BY: Elizabeth Arias Bohart

Most of the staff are no helpful

Most of the staff are no helpful, only one or 2 that I had talked with have some empathy with pet parents, an error was done in my claim not considering the abdomen x rays and when I called now they will require another extra 30 working days to review the claim. I asked to talk w a Manager and they told me managers can’t do anything to speed the claims. So I waited 50 days for the claim that finally was incomplete and now another 30 working days for the revision of the claim. But they now the error so they need to wait 30 w days? Highly disappointed and not a pet insurance to rely on at all. I wish I did not choose th for my 2 pets. Not a excuse to purposely delay the reimbursement. Other pet insurance I turned claim on saturday and got benefits 3 working days later. My other pet at the vet hospital the Insurance paid directly in 3 days. Not excuses they delay while our pets are ill. Mine has cancer in remission and my other one liver failure. Do not recommend and this is not frustration, my pets are I’ll and they show no empathy nor support
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2

out of 5

POSTED: | BY: John Thom

Very poor service

Very poor service. Sent in vet bills for Febuary 7 for pre OP blood work still not processed. Kept requesting proof of payment, I sent it in 3 separate times. Still waiting for reimbersment .i called was told they would only cover a fraction of 1,000 we spent for neutering or dog. . We paid up front 730 dollars for this insurance. Would never refer anyone. I am totally disappointed.
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1

out of 5

POSTED: | BY: Robert Mavros

Fraud!!! Refused to pay very first Wellness claim

I am a new customer. On my very first claim Pet's Best is refusing to pay for the wellness exam. The representative I spoke with claimed that because the results of the wellness exam found ear mites in my kitten that the wellness exam would not be covered. This is not detailed in any policy information. I believe this is fraudulent in nature as the company is refusing honor my legitimate claim. All over $50??? Simply ridiculous.
5

out of 5

POSTED: | BY: Valued Customer

I purchased insurance for both my…

I purchased insurance for both my kittens, I was skeptical at first but after having a dog with out health insurance and seeing how much I had paid out over the years I thought I would give it a try. Our first claim for wellness was approved quickly and it was so easy to file. Thank you for the quick service.
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1

out of 5

POSTED: | BY: Defrauded Customer

I am a new customer

I am a new customer. On my very first claim Pet's Best is refusing to pay for the wellness exam. The representative I spoke with claimed that because the results of the wellness exam found ear mites in my kitten that the wellness exam would not be covered. This is not detailed in any policy information. I believe this is fraudulent in nature as the company is refusing honor my legitimate claim. All over $50??? Simply ridiculous. So I see Pets Best responded, however, previously I chatted, I called and I spoke to multiple reps singing the same song that I described above. The bottom line is that they do not honor their agreement with regards to wellness care visit. If the kitten is sick they don't cover the wellness exam. No where is this described in their policy. Many, many, many other comments I see have the same problem. It's time to update the insurance policy wording . . .but I think they are intentionally misleading the public. I call that FRAUD!!!!
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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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