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: Bobbi

Pets Best is a Class Act

Having insured my many pets over the years, I have never had a problem at all. Only once was a claim denied, which I didn't understand; I phoned and spoke with a polite representative who offered to have my claim referred to an independent medical team. The result of that step is that the new eyes on my claim approved it, much to my pleasure at the happy ending. Give PB highest raves for quality customer service!
5

out of 5

POSTED: | BY: Judy

Waiting for response

My claim was declined which I understood but decision took longer than expected. As a matter of fact I email asking if a decision was made because I didn't hear anything. A follow up after a certain time goes would have been nice letting me know you hadn't forgotten. Hope this helps Judy
5

out of 5

POSTED: | BY: Jill

True to their Word

We have had nothing but good things to say about Pets Best. Our pup is only 2 but has had a number of small and large illnesses including a heart murmer, some swelling in her neck causing difficulty breathing, concern for addison's disease and a number of bouts of gastroenteritis. She is delicate to say the least. Pets Best has covered all of our claims and provided us updates when our claim process is delayed. We have had our money reimbursed within three days on occasions and other occasions had to wait about a month. I think it just depends on how busy they are. They let you know when you place your claim how long they think it will be. Their pricing is fair and we would definitely recommend to others!
1

out of 5

POSTED: | BY: Rosanna Smith Lester

You people do not know what you are…

You people do not know what you are doing. I have had a claim going for ever and have sent you all information and more. You keep denying me because my vet sent wrong papers to you from one of my other pets and she and i have written you about it but yet you still denied it and I have to reopen it again and it takes you 60 days to review every time .i will never use you again and am going to council my puppies coverage as soon as i find a other co. Would never recomend you and I have reported you to ins. Board
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5

out of 5

POSTED: | BY: Mary

Very Satisfied

After making our first claim with Pets Best, I am happy to say we are very satisfied! The process is simple and easy to use. We uploaded the bill we received from our vet, gave a short explanation as to what happened, and received the exact coverage we expected to get. Our puppy wasn't feeling well and ended up needing medication, and Pets Best covered the exam, the testing, and the medication. We look forward to staying with them!
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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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