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: Michael

Run from Pets Worst ( Best)

Evasive claim practices utilizing the “ keep asking for more documentation “ until you get so frustrated, you just accept the denial. My claim took over 90 days and cancelled after their process. I asked the customer service representative to review the countless calls and emails to improve their organization.
5

out of 5

VETERINARIAN: BluePearl Pet Hospital

POSTED: | BY: Naomi

So Thankful for Pet Insurance!

We chose to sign up for Pets Best insurance when our dog was a puppy and it was a great decision. At 14 months, she was diagnosed with immune-mediated polyarthritis (IMPA) which has required multiple medications, specialist vet visits, and rehab. We are able to provide what she needs much more easily because our Pets Best insurance covers much of her medical costs. We are so thankful we made the decision to get pet insurance before we ever needed it!
1

out of 5

VETERINARIAN: Las Vegas Veterinary Specialty Center

POSTED: | BY: Rochelle

Baby Oliver

My six-month-old puppy had to have his right eye removed, which was absolutely devastating. I’m so grateful that I decided to enroll him in Pet's Best Insurance when he was just four weeks old. During such a difficult time, the claim process was incredibly easy and straightforward, which was one less thing to worry about while caring for my sick baby. I truly appreciate the support and peace of mind Pet's Best provided when we needed it most.
5

out of 5

VETERINARIAN: Mid Island Animal Hospital

POSTED: | BY: Peter

Fast Claims Processing and Auto Deposit

"I was very pleased with the FAST processing, and deposit into my bank account, of my last few claims. I am far less stressed handling my dog's medical issues when I know that Pets Best is standing behind us with highly professional and caring assistance with our medical claims. "
1

out of 5

POSTED: | BY: Elizabeth Arias Bohart

Avoid Pets Best

Avoid Pets Best. Dealing with their claims department for my two German Shepherds is completely exhausting. Both dogs have chronic hip dysplasia and osteoarthritis. Despite their treatments being identical for over a year, Pets Best demands a mountain of repetitive medical records every single week. Their system is total chaos: • Denials & Delays: Denied coverage for simple acupuncture/B-12 injections -mentioning aquapunture according with tehm, but B-12 is free, no cost, they deneid $180/pet and took over 9 months to reimburse an Arthramid injection. • Portal Mess: Flooded with duplicate claims that suddenly drop to ZERO due to internal administrative errors. • Incompetence: My dogs see world-class vets at UC Davis Veterinary Hospital. Pets Best adjusters claim they "don’t understand" university billing systems and complain because both pets are itemized on the same statement. Shck wave treament treated as holistic with proven published scientific records increased mobility
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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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