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: Chas Giufurta

Good Pet Insurance

Very easy to submit claims and the claims are processed in a short time.
5

out of 5

VETERINARIAN: MedVet Salt Lake City

POSTED: | BY: Cori

Quick turnaround

My insurance claim was processed and approved very quickly. I was really impressed with how easy it was to submit my claim and how fast we were reimbursed. We had a very stressful emergency vet situation and I'm so grateful the insurance process was so smooth and simple.
5

out of 5

VETERINARIAN: Johnson Animal Clinic

POSTED: | BY: Joyce

Vomiting Fur Baby

I actually went to two places to have my dog evaluated. Every time he ate he would vomit in less than 30 minutes. . He was diagnosed with pancreatitis which lead to feeding chicken and rice. After three days I let him eat his IAMS Vomiting continue so switched to Hills Science for sensitive digestion. He has improved daily. This was quite an expensive procedure but my pet insurance helped with some of the expenses.
5

out of 5

VETERINARIAN: Urban Animal

POSTED: | BY: Nadirah

Emergency Surgery for Senior dog

My dog has been insured with Pets Best a few years...before this we had another insurer through my job. Her premiums did go up after the age of 8 but I figured that was very acceptable. I honestly considered dropping coverage because she turned 10 and had never needed any major medical. Well about 12 days ago at 6am we get up and she is totally lethargic, not stable and can't keep her legs under her. This is a complete shock and I could not figure out what happened. I rush her into Vet and her blood pressure is crazy low...they find a small internal bleed and see a mass on the scan. She was kept all day on IV to bring her BP into a safe zone/stable. The next evening I took her for surgery to remove the mass and her spleen. The Vet said it was a 20% chance benign and most likely she wouldn't have much time left with or without the surgery. We did it anyway. My baby has made it and that huge mass was not the aggressive cancer they thought! Her biopsy came back looking pretty good-and I am so grateful for this insurance. I submitted the claim and had a fully detailed breakdown within 5 business days. The refund was approximately 85% of my total cost and it was paid within 10 days of her surgery. This is better than my $800/m Blue Cross coverage. And much faster. I really want to thank Pets Best for making an extremely stressful and emotional time so much easier. I plan to enjoy spoiling my baby rotten a few more years and we are keeping this insurance!" 100%
4

out of 5

POSTED: | BY: Ashley Bryant

This is very helpful to have!!

This is very helpful to have!!! The only thing I wish were different is if they made it where you could use it up from instead of on a reimbursement process! Other than that I always recommend!!!

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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