Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 15,713

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: Barry

A pyramid scheme

A pyramid scheme! They will never approve a big claim. My dog needed surgery in March 2021 and i was unable to reach anyone at their company regarding my claim from March 2021 until May 2021. They intentionally will not answer your emails or texts. They finally contacted me after i sent them a certified letter stating that i will be contacting the Wisconsin Department of Justice. A big pyramid scheme as they will never pay off a big claim. There are positive reviews here but they say “invited” which is basically fake reviews by the company. Dont fall for it. They simply replied on this post “that we pay a lit of big claims.” They didn’t even explain why it took almost two months to even talk to someone there. If your per is sick do you really want a company that you cannot get in touch with for almost two months???
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5

out of 5

POSTED: | BY: Marlene

It was easy to make a claim and when I…

It was easy to make a claim and when I had questions on whether I submitted it right, I had someone to talk to about it.
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5

out of 5

POSTED: | BY: judy mcgrath

Great company

I am totally satisfied with the customer service and with the claim process. I have recommended this company to my friends and neighbors and will continue to do so.
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5

out of 5

POSTED: | BY: Lori Yochem

The wait time for the claim…

The wait time for the claim reimbursement took a little longer than it should have but overall I am satisfied with the claim and my reimbursement.
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5

out of 5

POSTED: | BY: Martha Chan

1000% Recommend!

I am absolutely satisfied with Pets Best pet insurance, especially their claim process. This is our second pup with this insurance company and I have yet to have any issues. The process is very simple and they are quick to process the claims. I’ve done everything through the app with no issues. I highly recommend Pets Best, not only for their claims process but coverage and affordability. I love knowing that our Chloe girl is fully covered.
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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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