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.
4

out of 5

POSTED: | BY: Pamela Donigan

Time to process claims

Recently claims have been processed fairly quickly, but occassionally there are unexplained delays.
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1

out of 5

POSTED: | BY: Gary Thompson

I’ll informed claim response to wellness policy

Claim was not paid according to items covered under the wellness policy. When I attempted to dispute the claim: the app doesn’t work for IOS (known issue), called twice during business hours and was on hold for over an hour each time, two emails went without a response. When I finally got connected, I was told it would take 30-35 days to underwrite my dispute.
3

out of 5

POSTED: | BY: Dominique A. Ramirez

Was a great benefit of refurbishment…

Was a great benefit of refurbishment from the insurance too longer then expected and thus being our first time had to call and ask which category to apply my dogs visit.
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5

out of 5

POSTED: | BY: Maria

Dependable

My RIP dog has been a member of Pets Best since 2019. He just passed away on April 2021. I have no complaints with pets best. They covered 80% of my dog’s bills and this really helps a lot with the heartache and expenses we have been through, I thank Pet’s Best. My last claim was took a while before I got my reimbursement about a month because I had $$$ total expenses but it’s worth. Thank you very much Pet’s Best!
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1

out of 5

POSTED: | BY: Irene Sagana

Took 1 month to get reimbursement of $4…

Took 1 month to get reimbursement of $4 and some change....false advertising! Meanwhile i forgotten i had Nationwide pet coverage via my work effective beginning of this year, same exact plan with $250 deductible, filed same claim, received check 4 business days later for $30 and some change! And since I met the deductible, from now on i will get back 90% back of total cost. This was my personal experience. I’ve had Pets Best for 14 months. It wasn’t until my pup had an allergic reaction that I found out how pet insurance worked and which company truly delivered. My total bill was almost $300. So minus the deductible and misc. that was not covered (understandably) the correct reimbursement amount was followed by Nationwide and in a timely manner!
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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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