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: Paula Higgins

Quick response time when paying claims…

Quick response time when paying claims and covers exactly what they state in contract.
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5

out of 5

POSTED: | BY: Donald

Efficient Carefree Coverage

Submitting a claim is straight forward with quick response and explanation. We have been very pleased with the coverage and continue to recommend Pets Best.
5

out of 5

VETERINARIAN: Dakota Pet Hospital

POSTED: | BY: kristina

So Easy!

"I wish all human insurance worked liked this. The website is so easy to use and submitting a claim is very quick and easy. Pets Best using plain language, and very quick communication. Thank you"
5

out of 5

VETERINARIAN: AVSG Internal Medicine Emergency & Critical Care

POSTED: | BY: Julie

Saved my twice!

My first Chiweenie, Ruca, got cancer and was in the hospital for 5 days with a bill of over $10,000.. Insurance paid 95% of the bill. My second Chiweenie, Sandy, got HGE and was in the hospital for 2 days and again, I got most of my money back. Both of those hospital stays would have had me in debt for years. Thank you Pets Best for saving my so much debt and allowing me to get treatment for my babies. I am a dog trainer and I tell ALL of my clients about Pets Best!
1

out of 5

VETERINARIAN: Cascade Veterinary Clinic

POSTED: | BY: Cory

Poor process and unacceptable decline

I wrote this in the review previously but I was denied with my claim twice (once for the inability of Pets Best to secure summary records of my pet and second of denying a known accident as described in the vet records provided). The records was frustrating because I reached out to both clinics located in Wenatchee and East Wenatchee as a result of Pets Best stating the clinic was unresponsive. There were no attempts records by either offices. Once I was able to secure my pets records in a matter of 2 days with a simple phone call, those were submitted to Pets Best. Again, claim was denied due to EOB stating that the injury was not covered. This is a blatant abuse of policy coverages when a known injury was documented by my provider. I am continuing to work towards a resolution with Pets Best, otherwise I will be seeking litigation actions against the company to ensure others don't have to have this level of mismanagement of claims and lack of living up to the expected benefits of an insurance company. Unless resolved to my satisfaction, I will also start a social media campaign to bring this malfeasant action to light.
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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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