Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 12,104

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: Deborah White

Quality Customer Care

Our boxer was diagnosed with lymphoma requiring twelve weeks of treatments. Halfway through I was concerned about the continued costs. I called and received sincere compassion for what we were going through and help in beginning the claim process. Another phone call later was also handled expertly and respectfully, easing my concerns. I truly appreciate the customer care I have received.
1

out of 5

POSTED: | BY: McKensee Thomas

The Worst!

I've had a policy since 2011, maybe longer. The company changes their adjusting policies on a whim. They pay one thing one claim and won't the next. Recently, I filed a claim where my dog was hospitalized for eating a toy. Not only has it taken almost a month for the claim to be processed, but there was a particular line item in the invoice that reads 'hosp/doggy day care". The charge was denied, not only by a novice adjuster, but per the conversation with Pets Best customer service agent, a manager had reviewed it. The invoice has $600 of legit charges associated with foreign body ingestion / constipation. The clinic charges the same for hospitalization as it does for doggy day care. Even though the line item clearly indicates that the charge may be associated with hospitalization, and the other supportive charges that were present on the invoice- the company denied the charge. Now I have to wait for a review, though it's almost been a month. This company is terrible. I would never recommend them. Save yourself a bunch of time and shop elsewhere!!!!
5

out of 5

POSTED: | BY: Irene Taylor

prompt service

I took my dog to the E.R. after he let out a howl when I tried to pick him up. They gave him pain meds and anti-inflammatory. The next day I took him to his regular vet who did an exam and x-rays. I sent in two separate claims so that may have caused some confusion, however, I am most pleased with the prompt turn-around time and the fairness of the claim. I would also suggest you are very careful in entering information if you choose to use direct deposit. I would like to verify that I entered my account no. correctly. While I can access the routing no., I have been told by customer service, there is no way to access or verify your account no. I just have my fingers crossed that I didn't make any typos. Although I'm sure I didn't, not being able to confirm such information is a bit unsettling.
5

out of 5

POSTED: | BY: Catherine

Easy!

Pets Best is so quick at reimbursement. They are fair and helpful. I would recommend pet insurance from Pets Best to anyone!
5

out of 5

POSTED: | BY: Heather H.

Great insurance except for the premiums

Unfortunately, I will need to cancel this year due to another huge premium increase (from $66 to $98/month!), but I will say that they have been awesome and have paid almost 3K this year on my elderly hyperthyroid cat. Never had a claim denied and the money was in my account within a week or so. I took the policy off most of my cats last year due to another huge increase and I am cancelling it completely this year - but if you feel the price quoted is acceptable, they do pay claims without a hassle and I can recommend it on that basis.

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.

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.
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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