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: Cassia

Extremely positive experience

My kitty was diagnosed with diabetes and pancreatitis a few weeks ago. She was experiencing some complications and we needed to go to the vet a few times. She even required a hospitalization at an emergency clinic for a couple days to help stabilize her and really figure out everything that was going on. I had peace of mind knowing I had Pets Best insurance for her as the bills stacked up. The claims process was incredibly easy. I was given a time frame for when to expect the claim to be processed. The explanation of benefits was very clear and easy to understand what exactly went toward our deductible, what was covered and paid for, and what was not covered. Everything in the claim was itemized based on our itemized receipts from the vet, so I could see exactly where all the numbers came from. We didn't have any surprises there and the claim was processed quickly. We received our reimbursement shortly after the claim was processed. I've had an extremely positive experience and I've been urging friends and family members to get insurance for their pets through Pets Best if they don't already have it!
5

out of 5

POSTED: | BY: Martha

Glad I chose Pets Best

First of all, I am glad I chose your company to insure my dogs. What I don't understand is why you apply a copay [10%] while the at the same time, the deductible is being applied. Traditionally, everything goes to the deductible until is met in full, then the 10% starts. I would really appreciate if you can change that.
5

out of 5

POSTED: | BY: Karen

Process is easy

First claim and the process is easy. Turn time is quick and the explanation on the claim result is clear
2

out of 5

POSTED: | BY: Mary

Four weeks later

I had to do all the work. They sent a request to my vet that they said didn’t get back, I called the vet made sure they sent it over. I confirmed that they got it, then they closed the case and reopened it with a new claim number. I had to do all the follow up, I had to make all the phone calls.... from beg to end 4 weeks for a simple allergy shot reimbursement.
5

out of 5

POSTED: | BY: anne

So fast, easy and nearly paperless. Love these guys!

My dog had xylitol poisoning and spent 4 days in the hospital. Luckily, she was treated quickly enough for a full recovery. I was pretty shocked at the final bill and wasn't sure how much work it was going to be to submit a claim to Pets Best. Other than scanning a few receipts, it was EFFORTLESS. There were no questions or disagreements or any problems. They processed the claim, took their deductible and the funds went straight to bank account. I'm a huge fan. This was easier than processing my human claims for the tiny amount of $10 to Blue Shield. Thank yoU!!!
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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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