Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 15,698

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: robin shaffer-jones

My dog had no Cartlidge in his knees he…

My dog had no Cartlidge in his knees he needed surgery. The surgery was close to $7000. The insurance paid 80% with no problem and I got the check put deposited into my account within three weeks. What a blessing.
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5

out of 5

VETERINARIAN: Susitna Animal Urgent Care

POSTED: | BY: Kathleen

Kallie's Eye

We have a 6 year old 7 lb shih tzu who we had to take to urgent care due to an irritated eye which turned out to be an ulcer due to dry eye. After trying to treat the ulcer for 10 days w pain meds, ointment and oral and topical antibiotics her eye ruptured. We decided to spare her any more emotional trauma and possible damage to her kidneys/liver from medications necessary to save the eye. She had lost all sight due to the rupture so we opted to have the eye removed. She recovered fully in less than 2 weeks and was back to her happy energetic self. When I had all the bills together I was worried it was going to be more stress on top of everything we had just gone through submitting claims and having to possibly fight or argue with the insurance and it was so simple. Once I figured out how to upload the claims they were all processed and paid by direct deposit in less than 2 weeks. Pets Best sent emails informing of status and updating me at every step. I am so grateful to all the vets and techs and so very thankful Pets Best was so easy to navigate. My baby is perfectly happy and is the cutest little pirate around!
1

out of 5

POSTED: | BY: Patrick Calhoun

They used to be fantastic, now theyre trash

They used to be fantastic. They've covered thousands of my pets bills in the past. Now they're absolute trash. They used to cover huge vet bills without hesitation, now they've been giving me the runaround about a $240 vet bill and then said it was a "preexisting condition" which is wasnt. They say I can appeal, but it'll take atleast 3 months and I would have to do a mountain of paperwork. You're much better off putting the money you would spend on insurance in a bank account.
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5

out of 5

POSTED: | BY: Sherry Boettcher

I highly recommend this insurance…

I highly recommend this insurance company. They cover what they say and reimburse quickly. No hidden exclusions.
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5

out of 5

POSTED: | BY: Katlin Sikes

Great coverage

Our dog ate grapes, and the urgent care vet recommended hospitalization for 48 hours to monitor kidney function after inducing vomiting. Pets Best was great about paying out our claim appropriately, funds were received directly to my bank account without issue.
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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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