Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,162

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: Ginnie Marcuccilli

I switched from Nationwide Pet…

I switched from Nationwide Pet insurance with the same coverage. I was paying $95.00 a month now I am paying $45.00 with PetsBest. Right there alone is a great experience. I submitted a claim an got reimbursed already.
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5

out of 5

POSTED: | BY: Shannon

Painless claim process

I just purchased the policies for my 2 newly adopted dogs within a month, and got my very first wellness claims resolved already. The process was very smooth and punctual, which reduced my anxiety as a new dog momma! Thank you!
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5

out of 5

POSTED: | BY: Jacqui Cohn

100 percent worth having

Pets Best gave us the peace of mind that we could afford treatment when our cat got sick. The tines I've spoken to reps they've been courteous and helpful.
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1

out of 5

POSTED: | BY: Charley Varipapa USA

Sometimes I wonder why I have this pet…

Sometimes I wonder why I have this pet insurance it typically pays for nothing where they have some lame excuse for why they’re not going to pay. They care about one thing the monthly check that you sent them
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1

out of 5

POSTED: | BY: Theresa R

Save Your Money. Coverage is a joke.

Update after their reply on 6/15/2021. You can clearly see they use a rubber stamp reply to reviews. They claim I have to take up "pre-existing" issues with my vet? HA!! Since when is an emergency condition pre-existing? And secondly, this was the very first visit to the vet..so what BS are they trying to get away with? I guess that's their way of worming out of coverage. Using the bogus excuse that things are pre-existing. Don't believe them folks. Original Review: I had high hopes for this insurance coverage for our little 14 yr Elvis. I opted for the highest 90% coverage and even added the wellness coverage. Unfortunately, after one visit to the vet for a sudden illness, an approximately $750 bill paid out to the vet, was reimbursed by the insurance for only $59. They back charged so called co-pays (not specified in the plan docs) and also claimed that some of the medication given was for a "pre-existing condition" prior to the date of coverage. Absolute BS!!! Save your money, put it in the bank and use that to pay your vet bills. I shelled out almost $1200 for what I believed to be very good coverage for my kitty only to be slapped in the face. They can keep their stickin $59.
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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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