Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 12,053

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 Austin

Fair and Honest

I think you will get every benefit you are eligible for. My dog has epilepsy. I have been with them for a year and 1/2 and they have paid for medicine every month as well as other related covered expenses. Plus I am covered in the event of an accident. I was able to lock my rate in. I reccomend them. My vet was sceptical they would pay anything based on past experience. He was wrong.
2

out of 5

POSTED: | BY: Toidie

Slow, fight to get claims paid

I will start with the fact that they do pay claims. You have to push and fight. Basic care move much more quickly. I had a very serious claim and it took 4 months and a letter to the BBB in order for them to get their story straight. The hospitalization was refused 3 times for different reasons each time. The claim review process needs to be addressed. My vet was so frustraited dealing with this company that he asked me to change companies. I am actually so frustrated with Pets Best I am willing to pay for an expensive pre-existing condition in order to change companies. This could have been prevented with a more proactive claims review process and better communication. The customer service reps are very nice and as helpful as they can be, but they are at the mersy of the claims department. I feel for them and tried not to take my frustration out on them. It is really sad how customer service has gone by the wayside these days. It would take a call from the COO and upper management to get me to renew my policy, but even then I want to keep my vet happy. My vet has let a $700 balance ride waiting on this money. I don't know any other vet that would do such a thing.
5

out of 5

POSTED: | BY: Amalia Chandley

Very Happy Veterinary clinic

Petsbest does a great job with reimbursements in timely manner with out short changing the client or finding reasons not to pay a claim. As a receptionist at a veterinary we strongly reccomend this pet insurance company to all of our clients.
3

out of 5

POSTED: | BY: TR

claim review too long and unfair

I continue to be disspointed with the service.They reject claims as pre-existing without further info/documentation. When I wrote and asked that they support their claim they simply never responded. I hear that the AKC offers a good program and I will look into it.
5

out of 5

POSTED: | BY: Christina

Easy to work with, great customer service

I have our 2 boxers insured with Pet's Best. So far I had two claims and both were paid without any issues. I did not use their coverage for things like shots or teeth cleanings but their plans for surgery and accidents worked great for us. They offer monthly payment plans and discounts for more than one pet. I was with VPI before and the issue there is that they use a list of standard cost for services. IF your vet charges more you don't get your refund based on actual cost. I was able to chose the vet and service I want and they have not let me down. I'd give them a 10 if they would offer some kind of refund if you don't file a claim for the whole year but I guess that is wishful thinking and does not happen with any insureance...unfortunately.

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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