Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,139

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

VETERINARIAN: Animal House Veterinary Clinic

POSTED: | BY: JACQUELINE Alintah

Not worth the cost

I have filed claims with this provider. They accept the premium payments but they always deny the claim. I wish I stayed with Fetch!!
5

out of 5

VETERINARIAN: Plummer Pet Hospital

POSTED: | BY: John Grubiak

Pets Best

Outstanding customer support and value for the money. They are there when you need them!
2

out of 5

VETERINARIAN: Hilton Animal Hospital

POSTED: | BY: Jeff Yohn

High Fees, Slow Processing, and Little in Return

It costs a small fortune per month. I was paying $32 a month and then it just bumped up to $42 for the same coverage. Processing time takes *weeks* and in the three years that I have had them, I've received a whopping $5 back. They always seem to have a reason as to why I am not reaching my $250 deductible and so I end up shelling out not only hundreds of dollars to the insurance place, but also to the vets for illnesses, meds, etc. With these kinds of prices, it should be covered and yet somehow, nothing ever really is. The price hike was the last straw. I found better coverage from a better rated company with an average of 48 hours (according to Google), for about half the price.
5

out of 5

POSTED: | BY: Kearie Allen

Thanks Pets Best!

When we noticed random bruising on our 3yo Pomeranians belly, we took her to the emergency room and she had to stay in the hospital for 2 nights. She had been perfectly healthy with no illness indication, but she was diagnosed with an auto immune that lowered her platelet levels dramatically, which caused an inability to form blood clots. With the support of Pets Best, I felt confident in having the hospital run all the tests and provide the care that was needed for our little sweetie. Submitting the claims for approval was simple and thankfully, even her ongoing bloodwork and medications are being covered. It's terrible to have a sick pet, but thankfully, we don't have to stress about the financial side of taking care of her, thanks to Pets Best!
5

out of 5

POSTED: | BY: Jenna Myers

Pets Best is the Best!

I appreciate how easy it is to submit and receive reimbursement after I've met my deductible. The process couldn't be more seamless - I upload the invoice for his monthly medications, I'm updated during all steps in the process, and receive an EOB once it's been completed, and I'm able to link reimbursement directly to my bank account. Everything is tracked and easy to access in my online account. I'm so glad I decided to get pet insurance for my dog!
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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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