Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,161

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: Cecil Murray

Slow Motion

I had a 600.00 bill and they paid 52.00 because most of the service was not included. It took them over a month to finish with the claim and now its 7 days and I have yet to receive that 52.00 payment. I made the decision to hold back paying my monthly payment and on that 1st. day of being late I received 2 emails and then 3 day's latter I received a certified letter about me being late and what will happen if I did not pay. I felt like I was bullied. I pay 3 years of premiums on time. Im looking to go somewhere else.
4

out of 5

POSTED: | BY: Derek Ball

Fantastic support, but VERY long claims resolution

I have a general distrust of insurance as the common theme is to try and find reasons to exclude you from your benefits for whatever reason, but PetsBest has proven their worth and value above the rest. I have spent time on call with different associates to help get me a better understanding of my benefits, advice on filing claims, explanations of claims results, and even just general emotional support of dealing with your pets concerns and the financial burden of emergency situations. I have full faith in what they do, that my money is going to a good cause, and that they fulfill their roles as an insurance provider. All that being said, their claims filing process takes WAAAYYY too long. I understand that the state of the pandemic has played a role in this in that they are short staffed, but it took about close to 40 days to get my claim resolved. Luckily I was financially secure at this time to work around it, but it was a very close call of having to rearrange my funds to make sure the reserves I used for my situation were refilled before other bills took place. That's all to say, minus 1 star for the extended wait time, but boy, did they ever do everything they could to help me understand the situation regarding my claims and support me as best they could during this process. 100% will and do recommend this to my friends because PetsBest has effectively earned my trust in a world of insurance distrust.
5

out of 5

POSTED: | BY: Mike

Love Pet's Best - They are what they promise!

This last claim was for Raven's yearly check up and shots. As always, dealing with Pet's Best been very easy and ALWAYS exactly as outlined in the policy. No gray areas or having to go back and question the coverage. I recommend MY pet insurance company to all of my friends with pets. Thank you for your consistency and service.
5

out of 5

POSTED: | BY: Katerina R.

Very cheap good insurance that covers all needs

Very cheap insurance that covers basics and extensive care if you need it. Reimbursement without additional questions within 6 weeks. Very satisfied
5

out of 5

POSTED: | BY: Theresa Fox

6 years of amazing customer service

Always great customer service

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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