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.
1

out of 5

POSTED: | BY: sierra logan

Disappointed.

My veterinary office has submitted everything necessary. My dog has been sick and I’m getting no help for reimbursement. Thousands of dollars I’ve spent on my dog and paying the highest amount in insurance for this company to not be helped in the end. Very disappointed.
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5

out of 5

POSTED: | BY: TDaw

Pets Best - Dental Wellness

I added the wellness coverage to my policy during my last renewal. My claim for my dog’s teeth cleaning was fully approved with no issues.
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3

out of 5

POSTED: | BY: Jean Rowe

PetsBest

PetsBest We have been long-time customers of Pets Best. As our cats have gotten older where health concerns increase, we have found the insurance to be lacking in terms of what is covered, the limits and the reimbursement. For these reasons, we have canceled. There was far more going to PetsBest than being reimbursed.
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5

out of 5

POSTED: | BY: Jeanne Hickey

My first claim with Pets Best

My pet had diarrea 4x in one nite from nothing eaten that was out of the ordinary, & in the morning she had it again along with vomiting. I visited my Vet and she performed multiple tests along with an ultrasound, leading to several prescriptions, including a special RX diet & a probiotic supplement. Now I find out PB doesnt cover any RX diets or supplements, RX or not. So out of a $1200 bill, PB sent me a check for $300, $500 of which was my deductible. I think I should have received $600-$700 back. Yes it is my first experience with PB, but they seem to NOT cover more than they cover. It took well over 4 weeks to receive reimbursement and 2 weeks to even hear back after filing. Considering the claim was thru email, thats way too long to wait for a response to a claim.
5

out of 5

POSTED: | BY: Anna G.

Great communication

My claims were delayed and the communication of that update was great.
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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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