Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,746

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: Beckie L'Italien

Waare of money. Good customer service

Customer service was great! Just not great reimbursement I had add ons to the pet insurance. With my wellness visit. Medication wasn’t covered, the vaccines listed in the policy wasn’t covered. They only thing they cover was 15% if flea/tick and heart guard. Not worth the $60 monthly not to get reimbursed for the things that should be covered.
5

out of 5

POSTED: | BY: Lori Z.

Responsive and Immediate Reimbursement

Having PetsBest insurance took the pressure off us having to visit the Vet 5 times in 4 weeks for our beloved ten year old's congestive heart failure. He's rallied and getting through it and so are we knowing that his health is protected. We don't worry about what the Vet needs to do. We only worry that he should continue to improve! Thank you, PetsBest. Your Customer Service is responsive and your claims review and reimbursement immediate.
4

out of 5

POSTED: | BY: Shankar Revu

Pets Best Insurance so far the second…

Pets Best Insurance so far the second best insurance provider in my experience. The only reason I did not give 5 stars because it takes a while to process the claim as compare to healthy paws. However, I still like Pets Best Insurance and I want to keep it due to the broad coverage options less deductible and quality service.
5

out of 5

POSTED: | BY: Laurie Brown

AWESOME Servi e

AWESOME Servi e! I have been a customer for only months, but they treat me like I've been a customer for years. They were professional and thorough with my 1st claim.
1

out of 5

POSTED: | BY: Robin Near

Why run the claim under Wellness when we don't have a Wellness policy?

Pets Best ran my claim through Wellness but we don't have a Wellness policy so everything was denied. I had to get our vet to send all his notes and after waiting another month, they still turned down everything under our Accident & Illness policy. Several things should have been covered and now I'm fighting for reimbursement for those items. We've been happy with previous claim results but definitely, NOT THIS TIME!

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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