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.
I am so disappointed with Pets Best;they sold me a policy in bad faith. I was deciding between PB, and Trupanion. When I spoke to the PB representative, I explained that my puppy had 2 issues, that cost a lot of money, and that is why I wanted to get pet insurance. I was upfront about every detail; I was told that as long as it doesn't happen again, in the first 3 days, after signing up, we would be covered. Unfortunately he had to have surgery within the first month, and they denied my claim, stating something that was never sent to me, until after I signed up with them.
One of their selling points was that they settle all claims, within one week; it took months for the first claim. Then they said, that the first claim can take longer, but all claims after will be with 1 week.
I asked why they didn't pay a different claim, which they said was direct deposited (I never gave them my bank info, or signed up for direct deposit (another lie). I have one more pending claim, from 1/12, which is going on 5 weeks; still haven't heard anything.
I emailed them, outlining all the above, in great detail, and asked what they are going to do, to restore my faith in Pets Best. GUESS WHAT - NO RESPONSE . They haven't paid one single claim, but they had no problem billing my credit card, for the 2nd payment.
I also told them to listen to their phone recording, so they can hear exactly what I disclosed, and the reply I got, from their representative. I write a lot of GOOD reviews; this is not the norm for me, to complain about a company. This is justified.
STAY AWAY FROM PETS BEST
Pretty disappointed with how long it takes to resolve a claim. And really upset that because we had two issues with same incident you are able to alter the terms of my contract for it to be excluded. Makes me wonder why I even have pet insurance.
I recently got a policy with Pets Best and filing claims couldn't be easier and the response was fast. The option of direct deposit is a plus. Speaking with a representative is fast hardly any wait time and they answered all my questions! Very happy i got a policy!
Awful. Save your money and go elsewhere. Will have long wait times, I had to wait over a month to hear back on my claim.
5
out of 5
POSTED:
| BY: Jessie Tries
Truly the best pet insurance
I have an almost four year old french bulldog who has a few health issues, one of which is recurring aspiration pneumonia. This diagnosis has rung me up some serious vet bills but Pets Best Pet Health Insurance has saved my buns with bills. They process claims and reimburse you in a timely manner. You may have to wait a few weeks but I know people who have to wait months for reimbursement and the amount is no where near what Pets Best will reimburse you. I'm a real customer with a real dog who requires a lot financially and she wouldn't be here, and I would be in serious debt, without Pets Best. Thank you Pets Best Pet Health Insurance!
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.