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: Rachel C

Worst insurance, horrible customer service

I paid $85 a month for this insurance. After spending over $10,000 in medical care, they have paid a total of $50. Even after my dog died, they tried to keep billing me. They take months to process claims. My dog died a month ago and I am still waiting for her final emergency visit to be processed. If you are adopting a rescue animal that isn’t in perfect health, they will exclude everything. Waste of money and horrendous treatment. Never using this insurance ever again.
5

out of 5

POSTED: | BY: Joy Lee

It is simpler and less complicated to…

It is simpler and less complicated to claim compensation. Although the waiting time is a little long.
5

out of 5

POSTED: | BY: Shelly Malleis

you guys are truly the best!

you guys are truly the best! my most recent claim was processed in literally a day! we couldn't be more grateful!
4

out of 5

POSTED: | BY: Matt

Great company and policies

After trying out several other companies with no luck, Petsbest was perfect for us. Signing up took literally minutes, and the policies were very compatible to our breed's health needs.
1

out of 5

POSTED: | BY: Lisa Love

Money pit!

This company does not process reviews in a timely manner. They will send emails or include on the app that they are waiting for paperwork from the veterinary, but paperwork has been provided. I submitted paperwork on the 15th, paperwork from the vet was submitted on the 18th, and the 1st of the next month there were no updates that the paperwork had been received-only they were still waiting for paperwork. When I called to inquire about the delay, I was told it could take anywhere from 15-42 days to complete the claim! I stated that I pay for insurance every 30 days but my claim cannot be processed for 42 days! Only to be told that the claim may be denied. The website states fast and easy service. The claims representative stated that was only for wellness checks, which is not what the website states. Long story short...I cancelled the policy because this was not the first time I encountered the same experience. Run from this pet service or should I say-lack of service.

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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