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.
3

out of 5

POSTED: | BY: Mary Cotter

I am a long time PB customer

I am a long time PB customer, 8 years, three dogs. Overall PB is great, but in the last few years they have taken much longer to process my claims. Don’t know why because they are all within the parameters of my policies. Also my premiums have greatly increased, doubled in the last couple years. Therefore only three stars. Years ago they would have earned 5.
5

out of 5

POSTED: | BY: Sherry Whitaker

Wonderful service!

Pet's Best has been wonderful to work with. They process my claims quickly, and if it is taking a little longer than normal (pandemic related, or course), they always email me and let me know. Coco and I will stick with them!
5

out of 5

POSTED: | BY: Trevor Strine

Always exactly what I expect.

Always exactly what I expect.
5

out of 5

POSTED: | BY: MK Knight

Helpful for first time dog mom

This was my first time having pet insurance so I was really pleasantly surprised that I had this experience. They warned me the process would take a few weeks and it did but nothing bad and the explanation of benefits and my repayment was very clear.
1

out of 5

POSTED: | BY: Lori Montross

DO NOT use this company!

I purchased additional insurance from my vet that they do not cover because this is not enough. My VET insurance balance remains on my bill and even though my vet bills are paid in full they will not pay my claims until my additional insurance is paid at my VET. The most ridiculous reason not to pay I have ever heard. I am already filing a claim with the scc and the bbb. They are robotic and do not care at all. They have even called and confirmed my vet bills are paid in full and still denied me. When I kept calling them to explain they did not care. I asked them to cancel me and they did without concern at all and no other explanation. Worst customer service ever!

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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