5
out of 5
POSTED: | BY: james boyd
Prompt claim reveiw and refund given…
Prompt claim reveiw and refund given within 1 week of claim submission.
Read more on Trustpilot
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.
1
out of 5
POSTED: | BY: B.J.
What once was good insurance, is now worthless
I'm not sure exactly what happened to this insurance company, but they're no longer what they once were. After 4 years, I'm leaving and shopping for another provider. The claims process continues to be easy. And they're much faster in their response than they were in the past. This means that they now send you a "denied" email within just a few days. If you have an issue with that, here is what they say:
Notice to our Policyholders
If you believe all or part of the claim has been wrongfully denied or rejected, you may have the matter reviewed by contacting the Department of Insurance in your state with your complaint.
5
out of 5
POSTED: | BY: Meeri
The Easiest Part of a Bad Situation
My dog was attacked by another dog and I had to rush her to the Animal Hospital. This resulted in an emergency appointment, a surgery, and a whole lot of unexpected medical bills for our sweet puppy. For as awful as this was, the ease of filing multiple appointment claims and getting reimbursed was a relief
5
out of 5
POSTED: | BY: Kathy Smith
Fast payment..Easy to understand EOB
Fast payment..Easy to understand EOB
1
out of 5
POSTED: | BY: Chris Baker
Avoid this insurance
I would not recommend this insurance company based on my experience. Claim processing has been extremely slow, and even routine billing seems disorganized — they’ve struggled to process monthly payments correctly.
Their website is not user-friendly when it comes to submitting claim documentation, which only added to the frustration. In my case, they required additional documents to move forward with a claim but never contacted me to request them. I only discovered this after calling in myself and waiting on hold for over 30 minutes to speak with support.
There are other insurance providers at a similar price point that offer far better customer service and overall experience. I suggest exploring those options before choosing this company.
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 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.