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: CAROLE

PETBEST IS THE BEST PET INS !

INITIALLY, I WAS DOUBTFUL BUYING THIS INS FOR MY 2 DOGS,GEORGIE & SHEA. LAST TIME I SIGNED UP FOR PET INS WITH ANOTHER INS.COMPANY I WAS VERY UNHAPPY WITH. I'M VERY HAPPY TO SAY THAT PETBEST IS A QUALITY PET INS. COMPANY IN MANY WAYS.I'M ALWAYS SURE I'LL GET PAID CORRECTLY. NEVER A DOUBT. IF I QUESTION THEM AS TO A FEE OR A DEDUCTION I'M ALWAYS THE ONE THAT'S INCORRECT. I RECENTLY LOST (6/13/12) MY 13 YEAR OLD COCKER GIRL SHEA PESTBEST,IMMEDIATELY SENT US THE KINDESS MOST THOUGHTFUL CONDOLENCES. I HAVE HAD ONLY VERY GOOD EXPERIENCES WITH PETBEST FROM THE BEGINNING.
5

out of 5

POSTED: | BY: Arlene

My dog and I love Pets Best and are so thankful

Ive had Pets Best for my young Maltese. He has been stricken with so many illnesses and ailments this past year that I was so worried I would lose him. Our vet was finally able to pinpoint the source of most of his problems, Hypothyroidism. He also has back problems. He was put on meds and now after a few months is doing so much better! He is almost back to his playful Maltese self! I spent alot of money on tests, bloodwork, meds, X-Rays and visits! I would do anything to save my pet but wouldnt have been able to afford it without the coverage provided to us by Pets Best! All of my claims have been approved, and yes Ive paid my co-pays, and deductibles ..but always get a portion of the claim back. That helps me so much! This is the first time Ive had insurance on any of my dogs and he is the first to have many issues. Im always worried a claim wont be approved ...but they have all been so far. My premium has increased for the first time on this year's renewal but only went up a small amount. Nothing drastic. I hope my dog gets better so he can simply enjoy his doggie life. He will require meds for the rest of his life but thanks to Pets Best he will have a good quality of life because of the safety of insurance in case anything else comes up. THANK YOU to Pets Best! I would highly recommend them to anyone with pets!
5

out of 5

POSTED: | BY: Kimberly

Older Dog insured

My older dog was 10 when I realized I wanted to have her covered. Pets Beat was the only insurance company I could find that was willing to insure her. The rate was fairly reasonable and the coverage was fair. The fact that she could now be covered was a load off my mind. After, they always processed and paid claims promptly. Thanks Pets Best!
5

out of 5

POSTED: | BY: Deb

Rapid reimbursement and excellent customer service

My 7 month old puppy recently had major complications from surgery. Within 5 days of submitting a claim, Pets Best reimbursed me! I received emails from the company through the whole process. I VERY happy with my insurance plan and my premium is very reasonable!
5

out of 5

POSTED: | BY: Wally

Clear possible, consistent and quick payment

Pets Best policy terms are clear and consistently applied. The company also has a great online portal that customers can use to submit claims electronically, and customers have the option of getting the payments deposited directly into their bank accounts. The response time on claims is very quick: I sometimes hear back within 24 hours, and I always receive the payment within two weeks. I've also contacted customer service a few times and always have great interactions with the representatives. The first time I used the policy was when my dog was attacked and needed extensive surgery on his leg. Pets Best paid out the full amount allowed under my policy, which was incredibly helpful. Since then, I have used the policy for smaller claims. Pets Best has always paid the claims that I submitted, even paying more than I expected one time by lumping one claim with a previous one, meaning the deductible was already met.

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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