Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 12,099

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: Richard Hardesty

It's been a pleasure doing business with you!

I am extremely pleased with everything about your company. Questions are quickly answered. Claims are quickly processed. Payments are delivered promptly. If you sold health insurance for people I'd buy it!
3

out of 5

POSTED: | BY: Judith Zinn

Did Not Cover Dental Procedure Related to Oral Car

I am a new client of Pets Best and would like to share my experience filing a recent claim. On December 10, 2012, I brought my Siamese cat, Violet, to my vet for her annual wellness check, where he noted an enlarged node in her jaw and two abnormal teeth. Upon extraction, he aspirated the lymph node and we were stunned to receive a diagnosis of metastatic carcinoma. Within three weeks, she had to be euthanized, because a mass had invaded her upper jaw. When I submitted the relatively modest bills to Pets Best, they excluded the dental extractions, which were the bulk of the bill. They did cover the euthanasia and cancer medications. I received less than $250.00 back on a total bill of nearly $600.00. Part of that ($23.) was the result of a Level I appeal that I filed. I will say that the representatives have been very nice, and the reimbursements were processed and received in a timely fashion. However, although everyone agrees that the abnormal teeth were a result of a tumor in the jaw, Pets Best has held fast to the position that NO dentistries are covered unless they involve broken or abcessed teeth needing extraction. Ironically, had I opted to subject Violet to aggressive chemotherapy, involving thousands of dollars, it would have been covered. Yet, this brief catastrophic illness received only minimal reimbursement because of a policy that does not allow for any extenuating circumstances. Not only did I lose my cat, but I have spent time and energy di
5

out of 5

POSTED: | BY: Jennifer

Very impressed! Quick claim payment

This is the first time that I have had a pet in 10 years and the first time that I have purchased pet insurance, but wanted to be covered as our puppy has already had a hospital stay. I was sceptical about the value of pet insurance after hearing others say their claims weren't paid and it was a hassle. I could not be more delighted with my experience with Pet's Best. The customer service is excellent - I even had the same person answer the phone 2 days in a row and she remembered me and my previous questions. I filed my first claim last week, received helpful updates via email, and had the full 90% paid and direct deposited into my account within a week. I would highly recommend.
5

out of 5

POSTED: | BY: Resan Vandruff

Happy with my pet insurance policy

All I can say is that Pets Best Insurance has been very fair with my claims. They have processed the claims in a lightning speed and have always answered my questions on my claims on the phone with very caring and professional people. I don't have to punch the no. for Spanish or English! I talk to real people which is so refreshing at these times of answering machines! So, I thank then for all their efforts to be fair and very professional.
5

out of 5

POSTED: | BY: HEATHER LAMMERT

Completely Satisfied 110%

Petsbest works fast to pay claims, my reimbursement was direct deposited 9 days later for the initial claim, and the follow up claim took 2 days! The customer service is exceptionally helpful and friendly and I couldnt have asked for a better company to insure my big babies.

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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