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.
1

out of 5

POSTED: | BY: Fran

1 Star: Disputed Claim, Poor Transparency, and Unresolved Complaint

I had Pets Best for several years and paid over $800 per year in premiums. When I questioned the processing of a claim involving my cat's treatment, I spent months trying to obtain a clear explanation of how the deductible and reimbursement were calculated. My concerns were never adequately addressed, and a BBB complaint ended unresolved. While the dispute amount was only $50, the lack of transparency and customer service was extremely frustrating. I ultimately canceled my policy and would not recommend Pets Best based on my experience.
5

out of 5

VETERINARIAN: Wheat Ridge Animal Hospital

POSTED: | BY: Debbie

Swift and accurate

My claim was processed and paid pretty quickly, which I appreciate, as it helps me payoff Care Credit.
1

out of 5

VETERINARIAN: Luv-N-Care Animal Hospital

POSTED: | BY: Phil

Waste of Time

Absolute waste of time. Denied claim on new pup with no history. Did not request history From vet but told Me they had not recieved anything. Save your money
5

out of 5

VETERINARIAN: Allied Veterinary Specialists

POSTED: | BY: Rosie

PetsBest - Amazing Company to work with

We carried PetsBest insurance on our dog for 5 years, never needing it until this year. Our little darling was diagnosed with severe anemia and it has taken several weeks of testing and appointments to try to determine the cause. Thankfully, PetsBest paid all our claims very quickly. Their claim process was simple and easy to use. I highly recommend PetsBest to everyone with a pet.
5

out of 5

VETERINARIAN: Carroll Gardens Veterinary Group

POSTED: | BY: Lee

Excellent Coverage

"Unfortunately my dog has a chronic illness requiring many tests and interventions. Pets Best has been very helpful in providing coverage. "
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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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