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: Marcia

There when we needed them.

This month we had 2 issues with our 2 dogs that came up. One was a UTI that occurred while we were traveling w our dogs, mandating a pricey visit to animal ER, the other was a playing incident resulting in 2 damaged teeth + surgery. Additionally, the one dog has been undergoing different diagnostic tests over the year for an as-yet undiagnosedGI problem. Pets Best has been prompt in covering our claims. They've been there when we needed them.
5

out of 5

POSTED: | BY: lucy

awesome

this was a rehabilitation service for a back problem
5

out of 5

POSTED: | BY: lucy

fantastic service

the way this claim was handled was done with the upmost diligence i commend you for it being throughly investigated and with a speedy outcome thank you for being the best experience i have ever had with a pet a insurance company i have had others which were ok but you are the best i am glad i switched
5

out of 5

POSTED: | BY: Lori

The best pet insurance out there!

I love Pets Best Insurance! The ease of filing a claim and the speed in wich the refund is issued is awesome. They keep in constant contact through email (my preference) every step of the way and there is always the "live chat" option for any questions that I may have.
1

out of 5

POSTED: | BY: TD

Do NOT use this company

My claim was denied and I am obviously beyond upset about that alone but more importantly it took them forever to process any claim and I had to contact them to remind them to process my final claim just for them to deny it. When I called to discuss it, the rep told me vaccinatable diseases are not covered, we aren't even 100% sure that's what was going on with my poor cat. Then the woman had the nerve to tell me that maybe of I had given my INDOOR ONLY cat the Feline Leukemia vaccine he would still be alive. Completely heartless and out of line.
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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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