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.
4

out of 5

POSTED: | BY: Connie Jankowski

1st time filing claim

This was my first claim....once I understood what was needed to file the claim it was quick and easy.....a very pleasant experience
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5

out of 5

POSTED: | BY: Erin Jarvis

So far so good

So far so good! I am terrible at submitting receipts, so was pleasantly surprised that I had no issues filing a claim (and being reimbursed for) an emergency pet hospital visit I submitted nearly a year after the fact (an easy process on their website). I filed another claim for a much pricier incident and received an email from PetsBest that they are reviewing the veterinarian records. I am crossing my fingers as PetsBest was by far the best deal I found when shopping for pet insurance, so will be delighted to have chosen them if this claim also goes through with no hiccup.
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5

out of 5

POSTED: | BY: Jerry Zhao

Good pet insurance

What I like most about Pets Best is that everything is easy and straightforward, from getting a quote, enrolling my dog with Pets Best to submitting claims and receiving reimbursement… no hassles at all! Having an insurance for my dog just gives me the peace of mind, and we already had a few visits to the vet for his ear infection within a few months of the enrollment. It’s totally worth it!
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1

out of 5

POSTED: | BY: AP

Seeking new provider

Minimize their reimbursements rather than focusing on customer satisfaction. Waiting time is excessive to receive reimbursements. I will likely be leaving this company's coverage soon for another one.
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2

out of 5

POSTED: | BY: Mimzi

Deny claims without contacting the owners for additional information

Before my dog had a severe accident I would have given Pets Best a 10 for everything. They always paid my claims timely and without issue. But, 8 weeks ago my dog fractured her vertebrae and suffered short term neurological weakness. I filed the claim for the emergency clinic and the vet specialist after I paid over $8K. I was expecting 30 days later to get reimbursed for 90% of that amount. instead I received an update of a denied claim due to lack of medical records. I authorized both the emergency clinic and the vet to send all records to Pets Best and was assured they did. I was NOT CONTACTED by Pets Best to assist with getting the records even though I already had them. I could have provided them and the claim could have been processed. Instead I had to resubmit the claims and HOPE they are paid this time (probably in 30 - 60 days). The lack of customer service is the worst part. I tried to call Pets Best and was on hold for at least an hour before i had to hang up to get another call. There is NOT OTHER WAY to get in touch with them as they DO NOT have live Chat or an email address to send a question to. HORRIBLE way to treat your CUSTOMERS PETS BEST!!!!!
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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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