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.
2

out of 5

POSTED: | BY: Erin

Slow reimbursement

PetsBest is generally good in coverage and cost but they take 30-45 days to reimburse you for costs. With that extensive claim turn around time it almost makes it not worth it to choose this company. If they could get it done in a week like they used to three years ago I would still recommend this company.
5

out of 5

POSTED: | BY: D

The BEST Experience and Prices!

I can’t say enough great things about this company. I have had pet insurance from a few different providers over the years. The company I was with before raised my pet’s premiums after the very first year by a ridiculous amount, even though I had not made any claims and my pets were young. I understand that older animals will see an increase each year but Pet’s Best has only increased my senior cat’s premium a minimal amount each year and has not touched the premium on my other younger pets. Their prices are also some of the best I have found in my research. The last thing I could have imagined was that I would need to make a claim so early in my dog’s life, but he became severely sick out of the blue and within 1 week we lost him. During this time, we had several vet visits with them trying various treatments to make him comfortable and treat the symptoms in order to find out what was causing him to be so ill. I had prepared myself for the red tape of dealing with the insurance claim due to the huge bill. What I got instead was a claim process that was able to be done online in minutes and a full payout with no questions within 2 weeks! The last thing you want to deal with when you are grieving is the runaround from an insurance company and what I got was compassion and quick action. They refunded me the remainder of his policy amount for the year when I reached out as well. When I renewed the other pets a month later there was no increase due to making a claim on my other dog. Overall just a fantastic experience!
4

out of 5

POSTED: | BY: Debbie Strawhand

Overall a good experience

My experience with Pet Best was good and the only reason I gave them a 4 is that it took 30 days to get a response on my claim was I was originally told 15. Also I had some frustration with one of their onsite supports techs. I was pleasantly happy to get refunded 90% of the cost after my deductible. Will refer them to friends.
1

out of 5

POSTED: | BY: sierra logan

Disappointed.

My veterinary office has submitted everything necessary. My dog has been sick and I’m getting no help for reimbursement. Thousands of dollars I’ve spent on my dog and paying the highest amount in insurance for this company to not be helped in the end. Very disappointed.
5

out of 5

POSTED: | BY: TDaw

Pets Best - Dental Wellness

I added the wellness coverage to my policy during my last renewal. My claim for my dog’s teeth cleaning was fully approved with no issues.

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 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.

Get a quote today

Leave a review