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.
5

out of 5

POSTED: | BY: Janine Termine

We purchased pet insurance bc my daughter is still in college with a puppy.

We purchased pet insurance bc my daughter is still in college and we did not want our daughter questioning whether to take her puppy to the vet or not bc of money. Her little girl got very sick on a weekend and needed medical attention. She had to take her to a animal hospital and left with a very large bill. I did not think the insurance would pay 90% of the bill, but after deductibles, they absolutely did pay 90%. Great company and would highly recommend them.
5

out of 5

POSTED: | BY: Bob G

I was very satisfied with my claims…

I was very satisfied with my claims experience with Pets Best. They let me know that they were a little backed up with processing claims but would get my claim done as soon as possible which they did, and the claim statement I received was easy to understand. I would highly recommend Pets Best to anyone looking to buy pet insurance. Thank you Pets Best!
4

out of 5

POSTED: | BY: AvidDiva Nyerforlife

I was impressed with the processing…

I was impressed with the processing time of Dakota's most recent claim but a little disappointed with the reimbursement amount. He has another appt on 10-25-21 and will forward a claim and see the payout on that one. Overall the premium amount is fair so will continue the coverage for now.
5

out of 5

POSTED: | BY: Nancy Giddens

Great for pugs

Pets Best insurance makes it easy to file claims. I have always received the benefit I expected.
5

out of 5

POSTED: | BY: Jean Grey

Worth it

It is very simple to submit a claim all you need is your receipt. Absolute life saver if you have a pet specifically a dog in our case. Sometimes you can’t afford it but knowing you have insurance that is reliable you’re able to get a lot of the cost covered. I recommend it to anyone. Even though it took a little longer to for the claim to be processed it was so worth it

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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