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: Jonathan Lyons

Pets Best gives me great peace of mind.

My wife and I have had dogs as long as we’ve been married. We’ve been through life with puppies to old dogs and we have some idea as to possible medical costs. When we adopted our new dogs, we decided that insurance would be a good idea. So, within days of adopting our dogs, they were covered. They’ve had their first wellness visits and we’ve received our reimbursement for vet expenses. We fully expect the wellness plan to pay for itself and we have the peace of mind that comes from knowing that future emergency or geriatric care will be covered as well. It’s really a good feeling.
5

out of 5

POSTED: | BY: Janette Kopec

Have paid for numerous surgeries with no issues

My dog Allie tripped while running and had to get ACL surgery, it was almost completely covered by pets best and all I had to do was send the bill to them and the money was deposited into my bank account a couple weeks later! I did a lot of research before choosing pets best and it was a great decision!
1

out of 5

POSTED: | BY: Cindy C. Smith

ABSOLUTE WORST CUSTOMER SERVICE…

ABSOLUTE WORST CUSTOMER SERVICE EXPERIENCE EVER and WRONG INFORMATION PUT IN COMPUTER ON CLAIMS!!!! ALSO VERY SLOW CLAIMS. BAD BUSINESS!!!! I submitted a Claim for my Pup's Ear Infection for 8/26/21 it was miss-labled as behavior, and took forever to process, was told then it takes 45 days, at about the end of that time period, an E-mail came on a Monday Morning that you needed proof of payment, I immediately called my Veterinarian and they immediately sent in. On the next day/Tuesday Morning I received an e-mail due to lack of receipt of paid my cancel was denied and if I wanted to pursue I had to resubmit and start all over, back to the 45 days. You claimed you did not receive from my Veterinarian. NO ONE BOTHERED TO CALL MY VETERINARIAN OFFICE TO COMFIRM PAYMENT, A FAST PHONE CALL THAT WOULD HAVE SAVED YOUR COMPANY TIME AND EFFORT IN THE END AND IMMEDIATELY RESOLVED DONE - BUT NO!!!!! I asked for it to be escalated due to your taking YOUR 45 days, but giving us barely 24 hours to respond WHICH WE DID and saying not received. NO ONE WAS FRIENDLY OR HELPFUL, JUST TUFF LUCK START OVER!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! I am a Professional Dog Trainer and would NEVER refer you to my Veterinarians or Clients due to the crappy way I was treated, along with misinformation put on Claims by your people. AWFUL SERVICE!!!!! If you want a QUALITY Company go with Trupanion! Amazing Customer Service and Claim Service - As they say: "You get what you pay for!"
5

out of 5

POSTED: | BY: Mario Ruiz

They Saved my Dog's Life

My policy with Pet's Best saved me from having to make a tough decision for my dog due to the excessive high cost of a long hospitalization. My 12-week-old puppy contracted leptospirosis and fell severely ill and required 10 days of hospitalization in the ICU. Knowing I had this policy meant that I could provide this care and he is home and back to his young self! The initial claims did take time to process, but they caught up quickly and processed all my claims for him at once! To make things easier ask your vet for the notes and records of the visit/ hospitalization and upload those to the website, this will save time as that is one less thing that they will need to do to process your claim.
5

out of 5

POSTED: | BY: Olga

Claim was processed quickly …

Claim was processed quickly and thoroughly. Thanks!

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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