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.
1

out of 5

POSTED: | BY: Stefani

Unbelieveable

If your pet has ever went to the vet prior to the policy, prepare for EVERYTHING in the future to be marked pre-existing. My cat had prior normal imaging and they still say it’s pre-existing. They’re ridiculous.
5

out of 5

VETERINARIAN: Village Veterinary Hospital

POSTED: | BY: Carolyn

Quick Turnaround, Highly Recommend PetsBest

We purchased a PetsBest policy for our cane corso, Zeus, two days after we brought him home as a puppy. We never really needed to use it until he was diagnosed with lymphoma at 4 years old. Claims were so easy to submit, only took me 30-60 seconds to put into the system. I also love that there's a comment box where we could explain Zeus's story for reasoning behind each claim. Each claim we submitted was reviewed within 3-5 days and reimbursement payment was received after another 3-5 days. They have such quick turnarounds. Each claim was reimbursed exactly how our policy stated it would be. We never had any issues with claims being denied or payment not being received. We will forever use PetsBest for any future pets we may have and I'm constantly recommending this to other people in my life.
5

out of 5

POSTED: | BY: Jaqunya

Everything was so easy & smooth

Everything was so easy & smooth. The process was quick.
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2

out of 5

POSTED: | BY: Leslie Charlesworth

Not User Friendly

It’s a clunky and time - consuming process. I hate it and will not be using Pets Best again. Your claim numbers should reflect the claim amount. Your acknowledgment and follow up letters need more specificity.
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1

out of 5

POSTED: | BY: Dana Williams

My premium went up over $40

My premium went up over $40. When I called to cancel my policy there wasn’t an attempt to retain my business. We have been fortunate and not really had any claims in the past three years outside of routine that visits for vaccinations I would strongly urge people not to sign up for routine medical care.
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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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