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.
2

out of 5

POSTED: | BY: LORA ABBOTT

Denied claim and lied over the reason

I filed a recent claim for medication refills that had previously been approved though this was the first claim where I had met my deductible and would be owed a payment. My claim was denied and the reason listed was that they were missing medical records. When I called, the representative I spoke with admitted that they had the records, so the reason listed on my explanation of benefits was an outright lie. They did reopen the claim, and eventually approved the medications, giving me a whopping $11 back. So I had to jump through major hoops just to get $11. I had cancelled my policy for a different reason (found better coverage elsewhere) just prior to this incident, but this certainly leaves a bad taste in my mouth.
3

out of 5

POSTED: | BY: Eliza Hurst

It took way too long

It took way too long
1

out of 5

POSTED: | BY: Kris Mathews

Horrible customer care. It takes a month to get reimbursement and they don’t seem to care about your needs.

Horrible - takes over a month for any reimbursement. Their customer service is horrible. They seem to not care at all about their customers. No one seems to want to answer questions or assist either claims.
5

out of 5

POSTED: | BY: Kimberly Smith

Pet's Best Always Has Our Back

Pet's Best always has our back and makes a stressful pet emergency a little less crazy because we know they are there to help us pay for the care our dog needed. They worked directly with our vet to get the claim handled quickly and the payment in our account, one less thing to worry about!
5

out of 5

POSTED: | BY: ss arthur

Class act.

Most efficient claim submission and prompt and accurate processing. Bar none.

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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