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: amanda adamS

Didn’t cover barely anything and I had…

Didn’t cover barely anything and I had the highest insurance they offered. Covered less than 30% of my vet bill.
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3

out of 5

POSTED: | BY: Clare G

Long processing times

I’m happy with the EOB and everything is very clear, but the current processing times are way too long. I have another dog who has insurance through Figo and the last two claims I’ve filed with them have been closed in half a day - one being on the Fourth of July. If PetBest had better turnaround times on claims (even a week would be fine), I wouldn’t have any complaints. The most recent claim I filed took over a month to get processed. Please look at this issue. Thanks!
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5

out of 5

POSTED: | BY: Lea

Excellent, Easy Claims

Highly recommend Pet's Best! They're very transparent with their claims, and keep me posted throughout the claims process. It's super easy to submit claims (I've submitted multiple for my 2 dogs) and have had no issues with payment. I preciously had a different company with a different dog--and they paid very little and made me submit a ridiculous amount of paperwork. I wound up cancelling because it cost more than they paid. NOT the case with Pet's Best!! They've made pet ownership more affordable!! Highly recommend!
1

out of 5

POSTED: | BY: Debbie Balestra

Good premium collection dishonest claims processing

I have a new puppy and purchased wellness and illness coverage. I submitted my itemized invoice and receipt. Close to a month went by and they sent me a letter telling me they couldn’t process my claim because they needed a detailed invoice and receipt. What the heck is going on? They are really good at collecting premiums but seem to be lacking in the claims processing area. I am considering canceling this coverage because if that’s the way they play When are good faith claim is submitted. There’s something seriously wrong.
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3

out of 5

POSTED: | BY: Tamara Irwin

Took a long time

Took a long time and I wish they would cover more. Especially spay and neuter.
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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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