Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 15,698

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

VETERINARIAN: Bethel Park Animal Clinic

POSTED: | BY: Gregg

They like to deny clams

Bought the wellness plan also had to fight to get reimbursed on her getting fixed, and now was denied my claim on her boosters and final rabies shots, and already raised my monthly premium a year in👎👎👎👎👎
5

out of 5

VETERINARIAN: One Love Animal Hospital - Yorkville

POSTED: | BY: Patrick

Great claim process

Claims are super simple to submit. You can easily track the status online and I got a decision in about a week, in some cases faster. I was also paid out quickly and was happy with everything that was covered.
4

out of 5

POSTED: | BY: Chris

Pet Insurance Review

The Annual Fee Amount is nearly $1400.00. The total percent reimbursed of an Annual (Preventative) Physical less Annual Deductible is 10%. This Plan is supposed to cover everything plus all the bells and whistles. Seems like their overhead costs and profit margins are skewed.
5

out of 5

POSTED: | BY: Ronni

The Best for Pets

I've had 2 dogs covered by Pets Best and they were phenomenal. They spent time answering any questions I had and they were very responsive. If it wasn't for the insurance, I wouldn't have had 14 more months with my 1st dog. The day I brought my new new puppy home, I already had him covered. Im really happy with Pets Best and I recommend them to everyone.
1

out of 5

VETERINARIAN: Nova Animal Hospital

POSTED: | BY: Irv

Avoid Pets Best at all costs!

PETS BEST PET INSURANCE SUCKS! DON'T BUY IT WHATEVER YOU DO!!! THEY SAY THAT THEY COVER EMERGENCY VISITS. WELL, MY FUR BABY WAS DEATHLY SICK AND THEY DENIED MY $5000 CLAIM. I'M GOING TO CANCEL MY POLICY WITH THEM IMMEDIATELY. PLEASE DON'T USE THEM AND SPREAD THE WORD THAT THEY LIE! Thank you. P.S. She is doing much better now. It was just very expensive out of pocket. But she's my baby!
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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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