Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 12,993

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: Carrie R

It Was Easy To Send In My Clai…

It was easy to send in my claim and it didnt take long to get the claim processed. I felt the description of what was paid (as compared to not paid) was fair and well documented. A wonderful experience overall! "
3

out of 5

POSTED: | BY: Judith Z

The Claims Process, Itself, Wa…

The Claims Process, itself, was ok. However, I will never understand why conditions such as anal gland impactions and dental issues are not covered. Both conditions can lead to serious medical issues (perianal fistulas from anal gland infections, and heart/kidney issues from dental problems.) Both of these conditions, when treated proactively, can avoid serious problems. When left untreated, larger medical costs will be incurred to to PetsBest. Totally incomprehensible!!!
1

out of 5

POSTED: | BY: j rich

beware

I am only 3 weeks into my Petsbest coverage for my 2 pets and so far, at every single turn, there seems to be either problems of incompetence with in the claims department or deliberate tactics to misinterpret vet notes.... i.e., on my clinic's legal medical records ( on clinic letterhead), my vet wrote of specific procedures. The vet basically wrote what procedures were performed for which body parts ( dated, and again, on clinic letter head), the claims department requested more medical records because the procedure " performed" could have been at other vets. Really? Even if it was on my vet clinic's letterhead?They keep asking for medical records when they already have ALL OF them FOR THE PAST 2 YEARS. I have asked them to e-mail me all the medical records they have on file so I can e-,mail what they sent me back to them when they ask for records again. I understand that people with negative reviews tend to write reviews more often than people with positive reviews. I also understand that not every single employee is perfectly trained and competant but.. let me provide this piece of information which I think illustrates how sophomoric their system is. As a rule, there is only one policy # for a policy holder ( i.e. pet guardian). I have 2 pets. They both have the same policy #. All e-mails I have received only show that one policy # without the pet's name. When I am asked to call the company for more medical records, I am asked by the representatives which pet I am calling about, my response is " I don't know, you'll have to tell me as your e-mail does not specify." It's 2017. There is no excuse for this kind of systemic confusion... unless they want to purposely confuse the policy holder and run him ragged. Let's put it this way: Should your whole family have the same social security #? the same drivers license # even if there is more than one driver? etc... Im addition, no e-mails are ever signed so one never knows if the person writing back is the same person one spoke with on the phone/communicated via e-mail or someone else who just saw that an e-mail need to be answered and did as such, perhaps not knowing about the entire situation.
1

out of 5

POSTED: | BY: Tim Zumpf

STAY AWAY

The worst insurance on the market. Got the accident insurance, my little maltese got his leg caught up on bed frame, tore his knee from socket, $3000,00 operation they won't help one bit even after vet called headquaters, said we don't pay for ligament damage. What's the sense of insurance?
5

out of 5

POSTED: | BY: Kristi Ritoch

Newly insured

I have a puppy and am new with Pet's Best. I filed a claim for her shots and they reimbursed me right away. ( I have the wellness plan) it was a small bill, but so far so good.

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.
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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