Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,726

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: Victor Nomi

You don't always get what you pay for - Sometimes you get More!

Three years back, I obtained 3 or 4 quotes for pet insurance and Pets Best was the lowest for what I was seeking. A month ago I submitted a claim for the first time. I expected little or no updates and two or three requests for more info before any payout but was pleasantly surprised that Pets Best let me know that they received my claim, provided an estimate for the claim review period and even let me know that they were running a little slower than typical. Then, I received a message from them with an itemized list of what they would cover. I agreed with their list and couldn't be happier with them as my pet insurance company.
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5

out of 5

POSTED: | BY: Susan

It was very quick and easy to submit…

It was very quick and easy to submit the claim. I heard back earlier than expected from Pets Best which was great!
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5

out of 5

POSTED: | BY: CC

So grateful for Pets Best!!

Thank you for making a very stressful situation much more manageable. Our puppy was very sick, and we had to take her to the emergency vet (she is recovering well now). Your quick response to our claim and kind words were such a blessing! I recommend Pets Best to EVERYONE I know with a fur baby!!! You are amazing!
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3

out of 5

POSTED: | BY: Kristine

Extremely long claim review time

The phone reps are very nice and helpful; however, 42+ days for a claim to be reviewed is unacceptable in my opinion. If I hadn’t called in on a regular basis during the month and a half, it would have taken even longer which is unbelievable. I regularly checked in to see if they needed any additional documentation so that the process wouldn’t be delayed in any way but it still took extremely long.
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2

out of 5

POSTED: | BY: Glenna Miller

Misleading and very, very fine print...beware!

The customer representative answered several of my questions and concerns. Unfortunately, the answers given were very different than the rep that assisted me during the signing up process. The major issue is I was told that I could change my plan on my renewal date, however the only way to change your plan is by completely closing it and opening a new policy. Additionally, several commonly used medications are not in their 17 page formulary. So my vet will now have to look through 17 pages anytime she prescribes a medication. In NY state vet techs are licensed, unfortunately Pets Best doea not cover even a rabies, heartworm, lepto vaccine if given by a tech which is fairly common practice. So read, read, read.....lots of misleading information given by reps during the sign up and LOTS of very fine print. We are researching and will drop our policy within the next month as I know there are better options out there.
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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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