Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 13,402

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: Lynette

Excellent Customer Service

I've had this insurance for the 3 years and I haven't had any trouble with them. I highly recommend them.
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5

out of 5

POSTED: | BY: Julie Heikkinen

Pets Best is the best

We have had absolutely no issues with Pets Best . I highly recommend them
3

out of 5

POSTED: | BY: Matthew Engel

They don’t cover online appointments or…

They don’t cover online appointments or prescriptions!
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1

out of 5

POSTED: | BY: MV Owner

Dangerously misleading information on their website under FAQs

"You can change your policy and premium by making adjustments to your deductible, reimbursement percentage, policy limit, supplemental benefits at any time, and routine care coverage (at policy renewal)." That statement is not true nor does it direct policyholders to review a specific section of the policy dealing with changes to insurance at renewal. In truth, policyholders can only downgrade supplemental coverage -- it cannot be added back into a policy once removed and that includes take-home meds. REALLY, REALLY BIG DEAL. The statement I copied and pasted directly from PetsBest's FAQs on their website led me to cancel supplemental coverage for my dog in last year's renewal as I thought I would be able to reinstate them the next year if necessary. No. Once removed, you cannot add supplemental coverage as confirmed with PetsBest today. That is a big deal. My dog now has Cushings and I will very likely have to put him down because I can't afford $200/month in medication. PetsBest is misleading their policyholders by putting statements like that on their FAQs with no direction to review particular sections of the policy. It should either be very clear that you cannot add coverage like that back in or it should not be in the FAQs to begin with. It is, in my opinion, an intentionally misleading and very harmful statement.
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5

out of 5

POSTED: | BY: RG

HIGHLY RECOMMEND!

HIGHLY RECOMMEND! I did much research in the pet insurance space before making a decision. I am extremely happy and satisfied with Pets Best. The communication is excellent. I am so glad I made this choice and would suggest if you are looking for pet insurance chose Pets Best!
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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. More information is available at checkout. 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. #200 Seattle, WA 98108, or Independence American Insurance Company (NAIC #26581), a Delaware insurance company located at 11333 N. Scottsdale Rd. #160 Scottsdale, AZ 85254. 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.

Abbreviated versions of the disclosure are available for marketing materials with limited space. Example:

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. For terms and conditions visit: https://www.petsbest.com/policy. Products are underwritten by American Pet Insurance Company (NAIC #12190), or Independence American Insurance Company (NAIC #26581), and administered by Pets Best Insurance Services, LLC, (NPN #8889658, CA agency #0F37530).

Additional UW Disclosure for Licensed Partners:

Pets Rule LLC (NPN: 19325415) ; In California under PETS RULE INSURANCE AGENCY (NPN: 19325415) CA license 6000647) is a licensed insurance agency. Pets Rule LLC does not underwrite pet insurance or pay claims but receives compensation on sale and/or renewal.

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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