Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,160

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: Marissa

Very much worth it

I purchased Pets Best when I adopted my puppy at 8 weeks old. Puppies are known for their shenanigans and I wanted to make sure that if an emergency happened, he would get taken care of. I paid the premium for the whole year for a small discount. My sweet mutt is now almost 3 and every year the insurance has been more than worth it. Between pneumonia, an obstruction scare, 2 lump removals, allergies, a pulled muscle and some ear infections, I am so happy to have had insurance for him. The claims process is very easy, but it takes a little over a month to get reimbursed. That isn’t a problem for us but it may a be problem if you need to pay the credit card before it’s due.
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4

out of 5

POSTED: | BY: Allison Gray Mendibles

Overall my experience filing a claim…

Overall my experience filing a claim with Pets Best was great. It was easy to file and upload online. They sent me an email that they were requesting more information from my doctor about 4 or 5 weeks after I filed my claim. the only thing that could be improved is turn around on reimbursement.
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5

out of 5

POSTED: | BY: eve b.

Easy and quick

The filing process is very easy and the response is quick. I’m very satisfied.
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5

out of 5

POSTED: | BY: Kewlzipity

Easy, Fast and the Best Pet insurance we found

After lots of Research we chose Pets Best as it was the best option for our Golden Doodle puppy who wasn't even 4 months old. The first time I submitted claim online went smoothly took a little longer than I thought but it was probably because of having automatic deposit of payment back to me. Ever since first time it has been very fast. Only question I have is why they didn't cover all the labs under wellness as my puppy is being spayed and its required to be done before hand so they know everything is ok. You would think labs for the first time ever are part of a Wellness packet to show how healthy your puppy is. At least I got some back on the labs.
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1

out of 5

POSTED: | BY: TJ

Reimbursement takes FOREVER!

I picked Pets Best because of the cost. What you pay for coverage was better than most bigger companies. However, it takes over a month to be reimbursed for coverage. This is difficult when you pay over $1000 out of pocket and have to wait 40 days to see any money paid out by the compay.
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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 Pet Insurance detail
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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