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

POSTED: | BY: Kendra Bobulski

Awful

No communication of any substance regarding the claim. A month later all I've gotten is an email 3 weeks ago that they're reviewing the claim and don't need any additional info and a request to answer a survey. Are they going to cover the interest on my credit card that's adding up?
1

out of 5

VETERINARIAN: Animal Hospital of North Asheville

POSTED: | BY: Rachel Temme

Do NOT Buy Insurance from Pets Best!!!!! They're Nothing But Thieves!!!!!

Do NOT Buy Insurance from Pets Best!!!!! They're Nothing But Thieves!!!!! My pup had an upset tummy and I brought her to the vet and go figure PetsBest denied my claim saying a vet visit isn't covered. I will be canceling my policy after speaking with their claims department tomorrow. Don't waste your money like I did!!!!!!!
5

out of 5

POSTED: | BY: Alexis Junker

My Dog’s Last Claim

Devastating final claim on my pets policy was for the euthanasia and cremation invoice. Completely understood cremation was not covered. Explanation of benefits on euthanasia was clear. The most important part was that I also received an email stating that my policy had ended the day after the invoice for the euthanasia, a pro-rated premium was being returned to me, and I didn't have to jump through 17 red tape hurdles to cancel the policy like I feared I would, while also grieving. The way it was seamlessly handled was the best gift. I’ve been a Pets Best customer for about 6 years and would highly recommend it. I did the wellness add on and it seemed worth it to me. In the later years my premiums were expensive but having insurance allowed me to make different decisions about my dogs health journey than I would have otherwise, such as doing additional tests or having tumors removed. I would recommend pet insurance to anyone, and Pets Best was easy and straightforward.
5

out of 5

VETERINARIAN: Ralston Vet

POSTED: | BY: Nikki Durham

1st claim process experience.

I took my one year-old GSD for her annual shots. Filing the claim was very easy and simple. Everyone kept telling me that my first claim would take forever for the payout. It was directly deposited into my bank account within 3 to 5 business days of me filing the claim. So no, It didn’t take forever. It was actually very fast.! Thank you very much! 🐾🐶
5

out of 5

VETERINARIAN: Colmar Veterinary Hospital

POSTED: | BY: Lori Muscarella

Pets Best is the best for pets!

I have had to file claims in the last few months over 12 times. Each time they have made it easy and I didn’t have to wait too long for reimbursement. Because of this insurance my pug has been able to have surgery without me going into financial debt. It is worth every penny and I would recommend to everyone!
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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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