Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 15,511

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

VETERINARIAN: Padfoot Veterinary Practice

POSTED: | BY: Schindel

Quick and Easy Process!

I had to pay out 888.00 to the vet due to Urinary Issues and I summited a claim the same day as her visit. The claim was processed and with in a week I received reimbursement. I'm very impressed with the efficiency!"
5

out of 5

VETERINARIAN: VEG ER for Pets

POSTED: | BY: Brenda

Loki

My dog Loki had a partial blockage which caused him to become critically dehydrated. I went to Veg ER in Peabody, Ma where he was seen right away, determined he was dehydrated and hooked up to fluids. He spent the night in the hospital but has made a full recovery. My claims process with Pets Best was seamless and I received reimbursement on my claim exactly 2 weeks to the day. After my deductible and 20% copay I was reimbursed 80% of the claim. Thank you VEG ER and Pets Best!!
1

out of 5

VETERINARIAN: Kentown Animal Hospital

POSTED: | BY: Cathy

A waste of money!

I first had the Pets Best package for both my French Bulldog and my Doberman pincer which for a regular routine visit you practically paid for nothing so then after you raise my rates to a whopping $250 for two dogs a month I dropped it down to accident and illness to which paid absolutely nothing when my Doberman died I will not eat it this policy and would not recommend your company to anybody!
1

out of 5

VETERINARIAN: Dorr Veterinary Clinic

POSTED: | BY: Heather

This company is a joke

My dog had an MRI done to help diagnose her medical condition. The insurance is denying my claim saying it was a preexisting condition, yet I have letters from her vet that has treated her since she was 8 weeks old as well as the neurologist who performed the MRI starting that this specific condition can only be diagnosed with an MRI. So how they can consider it a preexisting condition before it was diagnosed is preposterous and unfounded. I have filed a claim with the Michigan Department of Insurance to help rectify my situation since I have been denied on multiple levels from Pets Best.
1

out of 5

POSTED: | BY: V

Worst insurance ever

Have had them for 5 years. Terrible customer service matched with an overly restrictive claims adjusters and an arduous appeals process. Blood suckers of a company.
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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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