Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 12,824

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.
4

out of 5

POSTED: | BY: Alison Kratish

Reimbursement of Claims Much Improved!

On June 14 I submitted the first set of claims for my dog Cody's recently diagnosed IMHA. I woke up this morning to 3 different claim approval emails approved/processed for Direct Deposit. There are others not yet processed, but the biggest ones are being reimbursed as I type this review. I'm impressed with the speed with which they were processed this time around. The last time I needed to use this policy was in 2014. If I recall correctly, it took about a month for those two claims to be processed and paid. This time around, an 8 day processing time for MUCH, MUCH bigger claims and no requests for additional information were made! I've read thru some of the other reviews on another site, I take most with a grain of salt as many of those review writers did not seem to read the fine print before subscribing to Pets Best Insurance as their provider. I haven't ever seen a pet policy that allows for coverage of pre-existing conditions or that will cover illnesses within a few days of obtaining the policy. If they did, what's to stop customers from buying insurance at the first sign of illness, then waiting a couple of days to take them to the Vet just because they think they now have coverage. To me, those people are either not too bright or they're just trying to game the system. My recent experience with Pets Best has been seamless. Submit bills, add an explanation and discharge papers from the vet and things are processed/paid in a timely fashion. Submit incomplete paperwork and/or try to claim something that is explicitly excluded in your policy and it's denied. It's that simple. Reading for comprehension goes a looonnnnggg way toward utilizing these policies as they are intended. It sucks that my dog will have ongoing medical expenses for the rest of his life, but i'm happy to have this policy with Pets Best to help me thru the bills.
5

out of 5

POSTED: | BY: Clara Graham

Such a Blessing.

We owned our pet 4 years before I knew insurance was offered for pets. We had not had any major issues but we Love Milo and would go to the bank if we needed to save his life. Insurance made perfect sense to us, why not. We were all insured and he should be too.We are so thankful for being informed of Pets Best Insurance. Approximately 6 months after purchasing our policy Milo had 3 emergency surgeries for bladder stones and complications from a Ruptured bladder. Milo is part of our family and to see him go through this was deviating to say the least. Having Pets Best Insurance on Milo did relieve some of the financial stress from the situation. Our claims were handled in a professional and very timely manner. Such a Blessing for our family.💗 🐶🐾💙
5

out of 5

POSTED: | BY: Barbara Fairbanks

Customer Service staff who really care!

My 10 yr old has been with Pets Best for over 9 years. Over the years Pets Best has been there for us to support the various health issues that have arisen. When Quinn had to have surgery to have his spleen (and malignant mass) removed,I did not hesitate for 1 second to o.k. the estimated $3,ooo surgery, knowing that Pets Best would, once again, be there for us. Their customer service staff is fantastic.
5

out of 5

POSTED: | BY: Cynthia Erney

Quick and concise

I recently put in 2 claims for my golden retriever pups office visits ( one to diagnose the problem, and one to follow up a week later. I submitted the claims when I got home on the computer. It was easy to do as I could scan the bill from the vet and my payment stub. The form was easy and quick. The turn around time was quick as well.
5

out of 5

POSTED: | BY: Stacey Harris

Reliable

I have had insurance plans in the past and submitted claims but there was always a reason they didn't want to cover it. This is my first claim through Pets est and it was quick and simple. Thank you

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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