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.
5

out of 5

POSTED: | BY: Kimmy Griffin

We learned the hard way

We learned the hard way about needing pet insurance. One of our dogs got into gorilla glue and we had to pay a lot of money for her surgery. After that, we got pet insurance. They have already paid us a pretty good amount for some of the following vet visits we had to have after this. They were pretty quick to respond and we got reimbursed within a week. Thank you!
1

out of 5

POSTED: | BY: Margaret

A claim for medicine was recently…

A claim for medicine was recently denied due to a "pre-existing condition". That condition was an allergic reaction. Months ago my dog got a rash on his belly from the detergent I used to wash his bed. Last month the edge of his mouth on both sides swelIed up, become crusty and infected due to a food allergy. These 2 conditions are completely different and since allergies can manifest a myriad of ways from an enormous number of causes I think this claim denial is ridiculous. Especially considering the hefty premiums I pay, even with a high deductible amount.
4

out of 5

POSTED: | BY: Lisa

Easy to use website to submit claims

Easy to use website to submit claims. Explanation of benefits is helpful and clear.
5

out of 5

POSTED: | BY: customer

Best choice of insurance

I have been using Pets Best Health Insurance for our pet. I shopped around and thoroughly researched to find something that would meet our needs as well as those of our pet. I can honestly say that I have not been disappointed. Submitting claims is easily done online and the response from Pets Best is quick and timely. Feel I made a good choice in selecting Pets Best.
5

out of 5

POSTED: | BY: Ross Warren

The only pet insurance I recommend

The only pet insurance I recommend. Easy to file claims and great service. Will be long customer.

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.

Get a quote today

Leave a review