Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,169

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: Kristie Arden Reilly

I am very disappointed with your…

I am very disappointed with your insurance company. Very rarely are things covered by your plan. I was total that since I am in a Care Club Plan that I will not be reimbursed. I do NOT have a secondary insurance policy for my dog. I pay into a payment plan for my dog's care. I pay $116.51 per month for doctor's visits, neutering and vaccines. Because the invoice says the charges for those service have a zero balance, does not mean that I did NOT pay them. It means that I have been paying for them over time. Just like if you were paying off the purchase of a car.
5

out of 5

POSTED: | BY: Eric BERNHARD

Easy and fast

The claim was easy to submit and the reimbursement sent directly to the bank in a timely fashion.
5

out of 5

POSTED: | BY: Abby Goetcheus

Pets Best has been wonderful!

Pets Best has been wonderful! They always are friendly on the phone and make it easy to submit claims. They have saved us so much!
1

out of 5

POSTED: | BY: Krystie Dascoli

I’ve been waiting over a month for a…

I’ve been waiting over a month for a claim to be decided and still nothing.
4

out of 5

POSTED: | BY: Patsy Perkins

It’s taking forever to get reimbursed…

It’s taking forever to get reimbursed now. I have had this policy for 12 years. I turned in an invoice on Dec 9th and just got my reimbursement on Jan 20th. They also stopped paying for a cheap medication “ thyroid” my dog has been on for 7 years, it’s now gone back to review and that was a month ago. I dropped one of my old dogs off my policy because I could never get them to reimburse me for medication he had been on for arthritis “ lameness” I tried to explain to them that this medication was not part of a surgery he had in 2015. It never got straighten out. I now have 3 dogs on my policy. I don’t mind paying the premiums at all, to have the insurance but it has definitely changed as far as reimbursement, having to explain things that never get resolved. Now as far as a large accidental, illness they are good at paying for this , but it still takes a while to get reimbursed. I’ll keep it for theses reasons. I have dropped wellness, check ups, holistic off my policies because it lowers the cost as the age it goes up, so I’m tying to keep my monthly premium at a price we can afford and not be so high that I could start a separate monthly savings for this. The staff is always so very polite.

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 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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