Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 14,113

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: Marla Cline

Annual Exam & Vaccines

My puppy went to the vet for her annual exam and vaccines. I turned in the claim and it was a very quick turnaround. The app is very easy to use. I also have Farmers for my home and auto insurance. I highly recommend Pets Best and Farmers.
5

out of 5

VETERINARIAN: Harborside Animal Clinic

POSTED: | BY: Megan MacGregor

Dog Mom

Sadly, our dog passed away. We don't know what took her life. Pets Best was seamless in handling our claim.
1

out of 5

POSTED: | BY: Denielle Warych

Long wait

I filed my claim back on October 10th and heard nothing for 2 weeks. I called customer service being that this was my first time filing to ask how long it normally takes. I was told 10-25 days, 25 being if they need more information. At the end of October I called again as 25 days was coming up. I was told they had reached out to my vet as they needed the medical records. The vet sent them on November 3rd. I waited another week and called back. I was told they never got them. I ended up getting them from the vet and uploaded them. Since October 10th we had been back 2 more times for the same issue and as of today November 21st my first claim has not even been processed. I had to cancel my last appointment because of this. I’m hoping things get better and holding out until they can figure out all their “technical issues” but they had the best reviews which is why I chose them and right now I am fully disappointed and feel this is a scam.
3

out of 5

VETERINARIAN: Holly Tree Animal Hospital

POSTED: | BY: Judieth A Barnes

Good but expensive

I am 82 years old and my dog is almost 13. Insurance has gone up to over 130 a month now so i dont know how long I can keep it. Real reasonable to start but I do pay more for insurance than the vet cost over few months. Older dogs dont get back but70% and have to pay first 400 .
1

out of 5

POSTED: | BY: Joseph H

Paid All Year, Every Claim Denied

I’ve been paying about $85 a month for the last 12 months and filed 3 claims. All 3 were denied for what felt like very minor or “technical” reasons. What’s the point of paying for pet insurance if nothing is actually covered? I expected some help with my pet’s bills, not excuses. I’m very disappointed and will be looking for a different company—anyone considering this insurance should read the fine print very carefully.
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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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