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.
1

out of 5

POSTED: | BY: Ken

Deceptive practice

Have a lawyer look over your policy and have explained every last detail on how they can deny a claim. My policy was upgraded from accident only to full coverage and an injury from the accident only policy was no longer covered in the full coverage policy. There was no mention of any issues from a previous policy would no longer be covered. They could not produce any evidence of their sales agent telling me of this policy. pet's best is anything but the best and they are not to be trusted. They are happy to take your money and deny you reimbursement. A typical insurance company that has a team to look over your claim with a fine tooth comb to deny coverage. They're the WORST.
2

out of 5

POSTED: | BY: Kim

Sr. Director of Compliance, Training and Operations

I expected better coverage. I still had to pay a significant amount out of pocket. I thought after reading the coverage that it was better than I received. I was surprised.
5

out of 5

POSTED: | BY: Sara

Very easy process, smooth, and fair

This was my first claim after switching from another provider. It was super easy in comparison. They needed my cat's medical history and were able to get it without having me call or go back and forth between them which was great. After that the claim was processed speedily and I received the payment in my account immediately. I also received an itemized explanation of benefits. Overall I'm very impressed and would recommend to anyone!
5

out of 5

POSTED: | BY: Prof Dave

Top notch!

Speedy, correct, no-hassle service. It's a pleasure to deal with Pets Best.
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2

out of 5

POSTED: | BY: Ashley

Complete lack of communication about double charges on the account

This company. Ugh. I used to love them until they double charged me for two out of three pets that I have. They didn’t let me know about the double charge, and when I asked for a refund they said they don’t do that. They make so much money from every single pet owner and pets and they still do underhanded things to steal and hold money from loyal customers. I have had my policy for almost three years. Choose a different , more honest company that won’t hoard your cash.
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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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