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

POSTED: | BY: JESSICA

I Can't Recommend Pets Best Enough!

Usually, I dread dealing with insurance companies (doesn't everyone?!), but Pets Best has been a refreshing exception. We've had our policy for just under a year, and I genuinely couldn't be happier. The customer service has been outstanding, claims are processed promptly, explanations of benefits are clear and easy to understand, and reimbursements for eligible expenses arrive quickly. The coverage has been worth every penny of the annual premium—especially with a mischievous little puppy! I truly can't recommend Pets Best enough. We tell everyone how satisfied we are, and I hope they don't change a thing. I almost never write reviews, so please know that I mean every word of this one. Pets Best was recommended to us by several of my colleagues, and now I'm the one recommending it to my friends, family, and anyone looking to give their pet the best possible care. The greatest gift this insurance provides is peace of mind. When our girl needs veterinary care, we never have to hesitate or worry that the cost of an unexpected accident or illness will force us into difficult decisions. We know she can receive the best care available, and we don't have to carry the financial stress alone. That peace of mind is absolutely priceless, and it's why we'll continue recommending Pets Best to every pet owner we know. THANK YOU Pets Best for outstanding care :)
5

out of 5

VETERINARIAN: Brookville Animal Hospital

POSTED: | BY: HOWARD

Excellent Coverage, Prompt Reimbursement

"Been using your company for several years. For the past 8 months have made monthly claims for my dog's needed injections (which are life-changing). The initial approvals process was clear and prompt, and since then every monthly claim gets reimbursed within days of receipt. I couldn't ask for a better insurance provider!!!!!"
2

out of 5

POSTED: | BY: Beverley

Pet insurance review

The claim process for me was lenghty even though the site claims to process claims quickly. I feel they are looking for reasons to deny the claim. I would not recommend Pets best. They use to be better, i went by previous reviews but not now.

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.

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