Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,171

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: Tea

I’m so shocked by what happened to me…

Please please stay away from the company. I called and asked lots of questions - after I signed up for Pets Best wellness, I scheduled a routine yearly visit. I’m so shocked by what happened next- this horrible company denied 100% of the claim -said it was an illness visit when it was a routine visit. I had already paid three months of 80/mo. insurance because it took about 50 days to process the claim. Have all paperwork from the vet stating it was a routine visit and my pet is healthy- and they still denied my claim saying he wasn’t covered yet - that I needed to have waited two weeks for the illness coverage. They wrote multiple paragraphs of pure gibberish trying to explain but even my credit card company saw it was bogus and is working with me to get my money back. This company openly stole my money- they didn’t even do it well- it is very obvious that this is some kind of scam, and they hope people won’t follow up. I’m so shocked and feel extremely personally violated by my experience with Pets Best insurance.
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5

out of 5

POSTED: | BY: Joe Fraundorfer

Pets Best Is The Best

Pets Best is consistently professional, efficient, and timely in dealing with pet health claims. I am completely satisfied with their entire process. The best move I've made with pet care insurance for my two dogs.
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2

out of 5

POSTED: | BY: Meredith Schreiber

Review of our claim took almost a…

Review of our claim took almost a month. Received EOB but still waiting for check! We have been with Pets Best for 9 years and the service just gets worse. My renew premium is over $2700 but at this point I can't change companies because of my dog's age, etc. It's a shame. This used to be a very good company.
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3

out of 5

POSTED: | BY: Megan Hahn

Easy to access, frustrating simplification of reason for vet care

The turn around time for processing was much quicker than expected and the submission process was quick and easy. I only gave 3 stars out of 5 because I wasn't considered for reimbursement for dental cleanings. While I do understand that dental cleanings are normally routine, in this case my vet told me to schedule meelo for dental work to address the absorptive lesions and potential additional issues. Meelo is a young cat for whom I provide at home teeth brushing, so this dental work incident was definitely not routine at her young age.
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4

out of 5

POSTED: | BY: Luly Tracy

We have been Blessed..

We have been Blessed to have this insurance for all of our pet's needs. We have 2 Blue Heeler mixes and 1 of them we've had a whirlwind of medical needs within less than 6 months. They've helped us tremendously and continue to help.
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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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