Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 15,566

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: Brian DeChants

I recently submitted a claim for my dog…

I recently submitted a claim for my dog who has been having stomach problems for a long time. We brought her to the vet and the vet only marked the bill as an exam, so I wasn't sure if Pets Best would acknowledge that it wasn't a routine exam, it was for a health issue and should be covered. They took their time and must've done their due diligence because they honored the visit and covered it. I really appreciate their help.
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4

out of 5

POSTED: | BY: Momma of Shih Tzus

The insurance for my babies is…

The insurance for my babies is wonderful! My only problem is the processing time. When I first started the policy for my 4 babies over a year ago claims would process with in a 2 week time frame. Now the processing time is over a month. They take their money out the same day each month but they can’t pay promptly. Other than that I wish the flea and tick benefits were a little more. It doesn’t even cover a 6 month time frame.
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5

out of 5

POSTED: | BY: Maria

Easy receipt upload and processing!

Uploading my receipt on the app was a breeze, clear communication confirming the receipt was received, in process and then explanation of benefits - excellent communication.
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1

out of 5

POSTED: | BY: Corrine

Pet insurance has become just as bad as all other insurance

I am over it. I pay about $150 a month for my 2 dogs. Have FULL on my small dog and yet my $700 bill because her teeth needed pulled or she would have horrible infections of course is not covered. My advice is put money away each month in a separate account of your own and you would be much better off.........and in the end, if you have any left over, it is yours instead of gone. I have done the math and I have thrown away a ton of money for some time now. So very unhappy
5

out of 5

POSTED: | BY: Sharon

First experience was excellent!

This was my first time using pet insurance and I have to say I was pleasantly surprised at how easy it was and the responsiveness. I hope I don’t have to use it too often but now I know if I do it will be an easy process.
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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. Reimbursements are sent directly to CareCredit credit card when chosen as your default reimbursement method. Choose to have your eligible claim payment reimbursed directly back to your CareCredit card.

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.

Disclosures

Waiting periods, annual deductible, co-insurance, benefit limits, and exclusions may apply. For all terms visit www.petsbest.com/policy. Products, schedules, discounts, and rates may vary and are subject to change. Premiums are based on and may increase or decrease due to the age of your pet, the species or breed of your pet, and your home address.

Pet insurance coverage offered and administered by Pets Best Insurance Services, LLC is underwritten by American Pet Insurance Company (NAIC #12190), a New York insurance company headquartered at 6100 4th Ave. S. Suite 200 Seattle, WA 98108, or Independence American Insurance Company (NAIC #26581), a Delaware insurance company located at 11333 N. Scottsdale Rd. Ste. 160 Scottsdale, AZ 85254 or MS Transverse Insurance Company (NAIC #21075), located at 15 Independence Blvd. Suite 430, Warren, NJ 07059. Pets Best Insurance Services, LLC (NPN #8889658, CA agency #0F37530) is a licensed insurance agency located at 11333 N. Scottsdale Rd. #160 Scottsdale, AZ 85254. Each insurer has sole financial responsibility for its own products. Please refer to your declarations page to determine the underwriter for your policy. Terms and conditions apply. See your policy for details.

Pets Best Pet Insurance detail
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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