Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,162

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: Robin Near

Why run the claim under Wellness when we don't have a Wellness policy?

Pets Best ran my claim through Wellness but we don't have a Wellness policy so everything was denied. I had to get our vet to send all his notes and after waiting another month, they still turned down everything under our Accident & Illness policy. Several things should have been covered and now I'm fighting for reimbursement for those items. We've been happy with previous claim results but definitely, NOT THIS TIME!
5

out of 5

POSTED: | BY: Enzo

Best service!

The process was so easy I was so happy with everything. My pup received his wellness check and PetsBest made it very easy for him to get the proper attention he needed. Repayment was nothing less then amazing went directly into my account after I uploaded the invoice from the vet. Their customer service were very helpful and walked me through everything after to give me the knowledge I needed moving forward. If you’re looking for pet insurance to cover your four legged friend look no further. Thank you PetsBest
1

out of 5

POSTED: | BY: K Winslow

Shocking Denial

Our claim was denied because the "formulary" wasn't under the policy. Very surprising as these were standard medications from our general veterinarian. The denial was a shock to us, very difficult to have known prior to administration. Glad to have had the warning. We're now shopping for a new insurance company because it seems they would find some loop hole to deny payment. We do not need this kind of surprise in any other emergency. Up until this point we had used Pet Insurance Review to guide our pet insurance purchases, we'll be cross checking other resources on the next go around.
5

out of 5

POSTED: | BY: Hannah T

Super service

Excellent quick service, processed my claim appropriately and fast. Friendly representatives every time I have called with a question. I highly recommend Pets Best as the top pet insurance company.
5

out of 5

POSTED: | BY: CRW

Pets Best paid my claim quickly

Pets Best paid my claim quickly and out of a $297.00 Vet bill, it paid $220. I'm a happy customer and my cat is a healthy, happy kitty.

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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