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.
5

out of 5

POSTED: | BY: Casey

Claims submission process is a breeze

I submitted a claim for my dog's recent Wellness visit. The claims submission process itself is a breeze- I love only needing to attach my invoice and not input the claim manually line by line. Once I submitted the claim I was shown the estimated turnaround time based on current claim volume. When my claim was taking a little bit longer than usual to process, Pets Best proactively let me know with an email note and apology (instead of waiting for me to get frustrated and reach out to them for an update) which I really appreciated. Once the claim was processed they emailed me again to let me know and included a very easy to understand explanation of what was paid/not paid and exactly why.
5

out of 5

POSTED: | BY: Terry

Claims experience was positive

Our claims experience was positive from filing to settlement of claim. Was sent email updates keeping us apprised to status of claim until finalized. We, also, were able to check claim status via web site. Found the entire process to be low stress and easy. For those looking for pet insurance we definitely would recommend Pets Best.
5

out of 5

POSTED: | BY: Ashley

Fast, caring and supportive response to my claim.

I've had my four (4) cats insured with Pets Best since November 2018. The cost of their premiums is very reasonable, as all of my cats at that time were under the age of five. When my oldest cat, Oscar, required eye surgery recently...Pets Best was very easy to use. The filing process with documentation is easy (assuming you have a scanner) and their response time was very good. In the interim, I was always kept apprised of the progress of my claim. I did have need to utilize the on-line chat feature of their website and it helped greatly answering my questions with understandable and concise answers.
5

out of 5

POSTED: | BY: Walter

Easy online submission

Scanning and submitting the necessary documents was very easy. I also used the on-line chat feature which was both easy to use and very helpful.
5

out of 5

POSTED: | BY: Julia

Very happy

Very happy with the service.
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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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