Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 12,099

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: Irena Fajardo

Chronically late reimbursements

It never fails to miss but I don't get my EOB for at least one month after I submitted my claim. I called customer service to check on status and was told the amount doesn't matter, but that they have up to 45 days to process th claim. No "I'm sorry for your negative experience," but nonchalantly reiterated the 45 day they had to complete th claim.
1

out of 5

POSTED: | BY: Vanessa Monsalve

So far I have not been satisfied

So far I have not been satisfied. Claims take far too long to process and reimburse. I'm paying a lot of money per month and I'm worried if something big happens financially I won't be able to help my dog and that defeats the purpose of this plan. Last year when I had my dogs much needed dental routine which is supposed to be included in my wellness plan I was denied stating that I needed to provide proof that I had been providing proper dental care and getting cleanings done annually from when he was a puppy in order to cover me. None of that was explained upon sign up. I rescued my dog who was already a young adult/teen in another state mind you many years ago. I don't have access to those records so how do I prove that? Absolutely ridiculous bs excuses. My dog now has a heart condition which he has no previous medical history of this is all new and scary. Still waiting, let's see if they can prove me wrong and I can change this review to a more positive one and increase the rating
1

out of 5

POSTED: | BY: Amber

Long delay, still waiting.

App didn’t work for me. I called and was given email address to send invoices to. Waited a long time for approval of reimbursement. Still waiting for reimbursement which has not made it to into my account yet. Not really happy.
2

out of 5

POSTED: | BY: Dawn Villarreal

I’m very frustrated with this insurance…

I’m very frustrated with this insurance company. I have 2 French Bulldogs on this insurance. Not only does it take a ridiculous amount of time to process claims they seem to deny everything under “pre existing” conditions. I plan to look into other pet insurance options.
5

out of 5

POSTED: | BY: Ames Owens

My knucle head decided to eat a sock…

My knucle head decided to eat a sock and it got stuck which costed me alot of money that I miraculously had to come up with. After his surgery I invested in Pets Best. And I didn't realize it was a reimbursement situation (my fault for not reading well lol.) Well my kermudgin swallowed another sock almost a year a year later (at least he Is consistent still scared me half to death.) I went to a Emergency vet and they said the surgery would cost quite a bit I was able to show them I have Pets Best for coverage. They were able to work with me on a plan on how to get the money directly from Pets Best to pay my bill thank goodness I reached out got the form gave it to the vet and they emailed it back to me and I sent it to Pets Best about 3 days later they sent out an email saying that they covered the remainder of my bill which was 2000 some dollars.....and I couldn't be more grateful thank you Pets Best! -Amy &Sobek-

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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