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.
1

out of 5

POSTED: | BY: PMD

Consider other alternatives.

My company offers this insurance as a new benefit to us. We still have to pay individually but it's nice to have it come out of my paycheck to handle the monthly fees. What I have noticed is they are very selective about picking through each invoice, makes multiple back and forth situations that you need to provide additional documentation from the VET. Claim processing time...... It's painfully slow. Still waiting on a claim from 6/10 to be processed. Multiple emails saying sorry for taking so long. Once these outstanding claims finally process, I'm going to be strongly considering switching to another provider.
1

out of 5

POSTED: | BY: Chris Olsen

I submitted my claim on 13 of June, and still hasn’t even been been addressed and here I had to pay extra for my credit card based on the fact that I couldn’t get the payment made in the 30 days and no communication whatsoever

Painful and cost me more
1

out of 5

POSTED: | BY: A D

An absolute racket with no accountability

Consistently drag their feet with the larger claims and have zero accountability. If you call and wait the lengthy hold times to speak to one of their clowns, which is the only way to contact them, they simply spew scripted responses and do not actually give any answers or provide any customer service. If they do go off-script, the answers vary from one clown to the next. Supervisors and managers are not available and are probably equally useless. Awful.
1

out of 5

POSTED: | BY: Fritz DeBrine

Prepare for your claim to take forever

We’re new policyholders. Filed our first wellness claim on 6/20. Got several automated emails saying they’re sorry the claim is taking so long. Called their customer service line to see what’s up. Spoke with Linda. Linda told me they have a staffing shortage and haven’t even looked at my claim yet. Linda also said the summertime drives longer queues. Asked to speak to someone else. Linda transfers me to Aaron. Aaron tells me the same thing and adds that they have to process claims in the order they arrive. Aaron says they cannot escalate or expedite until a claim is 40 days old at a minimum. I ask to speak to a company executive to share my concern as a customer. Aaron says there’s no channel for a customer to speak to a leader. Feels like Pets Best brand is taking a big hit for claims processing times and thought I’d let everyone here know it takes them so long because they told me they don’t have enough people working there.
3

out of 5

POSTED: | BY: Eric Bagdikian

Unclear as to how deductible is applied to claims

I’m not very happy that this company breaks sown the deductible into numerous categories. I may have not read the application contract clearly but I’m seriously thinking about this policy because of what I perceive as unclear loopholes in the coverage policy. I’m in the process of finding a policy from another company. I can not recommend Pet’s Best.

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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