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.
3

out of 5

POSTED: | BY: Brittany Bates

Six weeks and counting waiting for claim reimbursement

I haven’t had issues with denial of claims (yet), but the ten days for claim review is a joke. I’ve been waiting 6 weeks so far to get reimbursed on an unexpected surgery. While I’m financially stable, I did anticipate the funds to be available in my budget a month ago. So if you’re wanting a timely payout, it’s not going to happen. And this isn’t a one-off matter. I have four dogs I’ve submitted claims for in the last three months, and every single claim has taken at least four weeks just to get processed (even those where I haven’t reached my deductible and there isn’t reimbursement due).
5

out of 5

POSTED: | BY: KC

Good even for older dogs!

I've had Pet's Best insurance for about a year now and I've been really happy with their service. I was wary to insurance my older dog, but I'm ultimately really glad I did. My last dog died of cancer and I would have saved thousands of dollars had I had him insured. Won't make that mistake again! It's nice to be able to make health decisions for them with more peace of mind.
5

out of 5

POSTED: | BY: Jim

Our small dachshund had a trauma injury…

Our small dachshund had a trauma injury that caused her to limp. We've been monitoring her progress with x-rays and exams and Pets Best has been excellent in processing our claims. They've been great and I highly recommend them to anyone seeking pet insurance.
1

out of 5

POSTED: | BY: Lily Finnerity

Garbage

Takes over a month to process claims even though they boast a quick process.
5

out of 5

POSTED: | BY: Jennifer Cochran

Peace of Mind

I have been a long time Pets Best customer for all of my dogs. You hope that you never have to use your insurance, but when you do, you want the process to be user friendly, clear, and easy to understand. I have found Pets Best to be all of those and more. During the 22 months my dog Skye battled cancer, Pets Best was all of those and more. I was able to focus on Skye and not the bills because I knew Pets Best was there for Skye and me. When I had to make the call that Skye had passed away, the customer service rep cried with me. I highly recommend Pets Best.

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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