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: Helga Gruss

Comprehensive & dependable coverage

I have insured my pets with Pets Best for several years. Their comprehensive coverage gives me comfort that I am always able to provide the best possible care for my pets, without making cost a part of that decision. They have supported my cat through a cancer diagnosis, my greyhound through chronic urinary tract issues, and my oldest greyhound with GOLPP. At every step, Pets Best could be counted on to provide coverage and I could rest knowing that once my deductible and out of pocket was covered, they would cover the balance. In addition to covering exam costs, lab test, diagnostic testing and of course treatment, the actual cost of their policy is also reasonable for the broad coverage they provide. Thank you Pets Best!
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1

out of 5

VETERINARIAN: Lanvale Animal Hospital

POSTED: | BY: Mariana

UTI denied under accidental claim

Since when are UTIs not considered an accidental visit?? Not sure why PetsBest claims this but it seems silly to me to continue insurance coverage if a not even UTIs are covered. Like how badly injured must your pet be to receive coverage??! Crazy.
5

out of 5

POSTED: | BY: Patrick

They used to be fantastic. Now they're 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.
1

out of 5

POSTED: | BY: Kunhan

"While my claims weUnprofessional administrative hurdles and zero accountabilityre eventually…

"While my claims were eventually approved, the process with Pets Best is a nightmare of intentional delays. They repeatedly rejected my digital receipts, demanding that I handwrite the claim number on them and re-upload—a ridiculous tactic in a digital age. Even worse, they rejected new claims by mistake, lazily claiming they were 'duplicates' without actually checking the dates or services. Despite their clear errors, they never offered a single apology. They seem to rely on frustrating customers into giving up. Highly unprofessional. If you want a smooth experience, look elsewhere.
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1

out of 5

POSTED: | BY: Jennifer

DO NOT ENGAGE WITH THIS COMPANY

This company is one of the most shady companies I have ever encountered. They didn't cover any of my claims for the 1st year and then wanted to double my policy costs for a 2nd year. Then they charged my credit card for the 2nd year's premiums without my consent or knowledge and when I finally saw the charge on my credit card, the policy renewal had already been in effect and they said they wouldn't backdate the cancellation and only gave me a pro-rated refund. The woman on the phone said she was a senior customer service rep and all she kept telling me was that it was my fault that I hadn't seen the email they sent with all of the policy renewal information and that Gmail must have blocked them (although I had no problems getting their claim rejections and survey email). Buyer beware with this one because there is no remedy after the fact.
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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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