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.
1

out of 5

POSTED: | BY: Robert Kahn

Pets Best is untrustowrthy

This is an update to a review I published several weeks ago. I hope that it appears as prominently on this Web site as so many of the positive reviews do. I've just completed an appeal with Pets Best on a claim that was denied the first time around. The first appeal itself has now been declined. What's exceptionally frustrating about the experience with Pets Best is that I'm not an uneducated consumer. I knew exactly what my policy bought, and what it didn't, and how my deductibles worked. At the beginning of this year, my dog had arthritis treatment, for which Pets Best reimbursed me about $1,000. This was satisfactory and within the terms of the policy. A couple of months later, I learned my dog needed two cruciate ligament surgeries, one on each knee -- one for a fully ruptured ligament, the other for a partial tear. I called Pets Best twice in April, prior to the surgeries, and twice was told the surgeries were "separate incidents with a cap of $2,500 reimbursement each." Thus, I approached these two surgeries (they would eventually total $18,000) knowing I should only expect back a maximum of $5,000, and not more. Good enough, and I'd have to live with it--in fact, Pets Best didn't always provide any support for cruciate ligament injuries, because they are so common in large dogs such as labradors, but in the last couple of years they advertise that they have made their policies more attractive by offering that "$2,500" per incident coverage for the specific injury. The first surgery came with an initial bill for $7,500, and Pets Best reimbursed me for $2,500. That was exactly what I'd been told to expect. After the second surgery, though, they only reimbursed $1,500, claiming that I'd already "dipped into the cap by $1,000 earlier in the year with the arthritis treatment." Huh? As noted, my dog was treated for arthritis earlier in the year, but the arthritis was unrelated to his ligament surgery. In some cases, arthritis can be related to damage in cruciate ligaments - this just wasn't one of those cases, as my vet attested, in writing. A Pets Best "Customer rep" named Jesse Park said that it would help my appeal to provide a letter from my vet stating that my lab was being treated for "arthritis as a fully separate condition from the two ligament issues," and that the "arthritis is not connected in any way causally to Griffin's cruciate ligament injuries."Also that my dog's "arthritis treatment was delayed due to the cruciat
5

out of 5

POSTED: | BY: April

Super

Very Easy setup and process
5

out of 5

POSTED: | BY: R Terry

The Best!!

Claims process so easy, they are so good about paying claims...highly recommend
5

out of 5

POSTED: | BY: Tammy Rehner

Very good customer service

Claim had to reviewed but after that it was paid quickly. Great customer service!
5

out of 5

POSTED: | BY: Marilyn Shane

My dogs passing

Every one was very kind and helpful. I am grateful in this sad time.

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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