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.
5

out of 5

POSTED: | BY: Jordan Brosz

Skeptic that’s been pleasantly surprised

Very happy with the quickness of reimbursement of Ollie’s annual vet visit and the amount we got back from that. Worth the money for peace of mind and help on wellness visits, I’m an insurance agent and was skeptical on purchasing this product. Happy to have been pleasantly surprised!
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5

out of 5

POSTED: | BY: Kim Green

Pets Best is truly a great insurance…

Pets Best is truly a great insurance company for pets. They covered all of my dogs medical expenses except for the few things that were pre-existing. I would highly recommend anyone with a pet use Pets Best Health Insurance!
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1

out of 5

POSTED: | BY: Tim

Awful company that steals your money

Got this insurance and took our dog to the vet to find out that he has a benign tumor that needed to be removed. After $1,500 spent, find out that they are refusing to cover our bills. This is a scam rip off company. what a waste. GFY
5

out of 5

POSTED: | BY: James

Great Service

This is my first time using a pet insurance company but I found the cost to be reasonable and the service thus far has been excellent.
2

out of 5

POSTED: | BY: Ms. Howell

Not a fan yet, but we'll see how it goes. Gonna give them 6 months.

Most of my claim got denied because I didn't know that I had to wait 14 days after the start of my policy to get all of my coverage. I submitted a policy for $523 and only got back $134. They discredited about $288 claiming that it wasn't covered. Keep in mind I pay about $64 a month and I have Unlimited coverage with at $500 deductible and 90% reimbursement. They only covered $235 of the bill, then they took off another $100 that they said wasn't covered for some shady reason, so I only got back $134. Not a fan at the moment. It's too soon to tell if I'll stick with this insurance; I've only had them for a month. Gonna give them 6 months and if the cons continue to outweigh the pros then I'll just cancel.
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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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