Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 12,061

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: Debra

I'd like to like Pets Best timing and hope to see improvements soon

1. When I called the wait for a person to answer was 18 minutes. 2. When I submit claims there was no mention of also submitting Vet notes. 3. After each of the 3 claims so far, a nondescript email came about a week and a half after submitting saying there is a delay in processing, but no reason for delay. 4. It took over 3 weeks to get the first claim payment. 5. Nationwide answers the phone after 2 or less minutes. Nationwide requires Vet notes on the online claim form. Nationwide pays claims within a week or usually less. 6. Can Pets Best please do whatever it takes to answer the phones quickly, provide a way for Vet notes in claim submission online and pay out claims in a week?
5

out of 5

POSTED: | BY: Peter Williams

Excellent customer service and support

Excellent customer service and support, sometimes walking me through dozens of line items on a claim payment I didn’t understand, PetsBest had it right. Also staff are well trained and are great communicators anytime I contact Customer Service, I never got a wrong or outrageously complex solution to problems.
3

out of 5

POSTED: | BY: Henry

I find myself somewhat overwhelmed by…

I find myself somewhat overwhelmed by this review, as it appears that the policies are continually evolving to benefit the company rather than its customers. Premiums are consistently increasing at a rate that exceeds wage growth. Additionally, the claims processing is far from straightforward; it is mired in a complex web of underwriting bureaucracy driven by the interests of the CEO and shareholders. If premium rates continue to rise, the company risks losing its customer base.
1

out of 5

POSTED: | BY: danyielle shelby

This company is horrible

This company is horrible. I have met life and pets best. Two dogs, and I submit the claims on the same day. Met life has a turn around time frame of around one week. Many times not even that long. Pets best will take over a month. Something as simple as allergies. My fur baby gets the same medication every month. Yet, it takes over a month to process the claim. The paperwork been sitting on someone’s desk for almost a month. Then a month later the company will tell you something is missing. It has been a horrible experience dealing with this company. By the way, I was just told the turn around time is now 42 days.
5

out of 5

POSTED: | BY: Tain Rose

Processed my claim in about 2 weeks…

Processed my claim in about 2 weeks which is pretty quick!

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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