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: Pamela

Great service overall

Pets Best has paid their share ofmy shepherd's surgery and radiation bills without question, and filing claims is quite easy. The only problem is that it is almost impossible to get someone on the phone, constant busy signal for days (hire more people, please), but they do respond to emails within the time frame they indicate. Overall a top notch pet insurance company that everyone should consider.
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5

out of 5

POSTED: | BY: Linda

Wellness Plan with Pet's Best

This is the first submission for the Wellness Plan. Our first Invoice of 2 was very quickly approved. It's been 6 days and waiting on the larger submitted invoice to be cleared after resubmitting a missing page. "
5

out of 5

VETERINARIAN: Towne Line Veterinary Group

POSTED: | BY: Helaine

Happy Dog Mom

I recommend Pets Best Insurance Policy. They offer a variety of deductibles; annual reimbursements for medical care (unlimited or capped); major medical and/or wellness plans. Their turn-around time for reimbursement is within 2 weeks. Policy says it can take up to 30 days; I've never experienced it taking that long. Their website and app are both user-friendly. I'm EXTREMELY happy with PETS BEST!
1

out of 5

POSTED: | BY: Monica DuClaud

Affordable, because hardly anything gets reimbursed

First, the handling of submitted claims is incredibly slow. Second, some reimbursements keep getting rejected as "pre-existing conditions" even when some charges are for new health issues. Every time I am asked to request documentation and letters from my vets in an attempt to have my case reconsidered. A waste of time for myself and my vet. The premium is reasonably priced, but I can see why. I'm very disappointed.
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5

out of 5

POSTED: | BY: Corbin Mack

I owe Pets Best a massive Headline: A lifesaver during our dog’s sudden medical crisis.thank you and…

I owe Pets Best a massive thank you and a well-deserved 5-star review. When my dog unexpectedly ruptured his Achilles tendon, my family was thrown into an incredibly stressful, emotional tailspin. Anyone who has gone through major veterinary orthopedic surgery knows how terrifying the diagnosis is—and how intimidating the medical bills can get. Pets Best stepped up completely. They covered a massive portion of the surgical and treatment costs, turning a potentially devastating financial burden into a manageable situation. What really stood out to me was how smooth and transparent the claims process was. During a time when my only focus needed to be on my dog’s pain management, surgery preparation, and intense rehabilitation, Pets Best made sure I didn't have to fight for coverage or stress over paperwork. They delivered exactly what they promised when we signed up. If you are on the fence about pet insurance, take it from someone who just went through a nightmare scenario: Pets Best is the real deal and will have your back when it matters most.
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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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