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.
1

out of 5

POSTED: | BY: Jade Guza

Horrible Customer Service

I was thinking about going with Pets Best, but after being on hold for 40 minutes, and then another wait where I got sent to voicemail, I decided against it.
1

out of 5

POSTED: | BY: Jade Guza

Horrible Customer Service.

I was thinking about going with this insurance company, I called with a few questions, after 35 minutes on hold I decided to go with another provider.
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3

out of 5

POSTED: | BY: Christy Hyde

I have 2 Shih tzu dogs with PetsBest…

I have 2 Shih tzu dogs with PetsBest and have for 3 years. At first it was good pretty quick on return in claims, then started slacking off. Wanting to review medical with Vet every time I sent a claim in like it was a pre existing condition. They have been there since there were pups how could they have possibly had a ore existing condition. I believe it was just to make you wait longer for a check. Tried changing my deductible on one dog. They said no can’t do that you have to have 12 months of no invoices for us to do that. Well what is insurance for if you don’t use it. That’s why we get it Just very disappointed in how they handle things. I probably wouldn’t recommend them to anyone
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3

out of 5

POSTED: | BY: Katelyn Spiel

It’s okay....

The insurance has a deductible that I feel like I have a hard time meeting and I chose the lower deductible to begin with. Also, with covid it took MONTHS to get a claim processed. Pretty frustrating and they’re still that way. I just submitted a claim and it took them a month to get paid out for the claim.
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5

out of 5

POSTED: | BY: Gia

Happy customer!

I’ve been using PetsBest for three years now, ever since I brought my Rottweiler home at 8 weeks. They have been nothing but helpful and accommodating. I understand with COVID there were some delays with processing, and my dog had major surgery in the midst of the pandemic. PetsBest kept me in the loop regarding the status of my claims and contacted me to apologize for the backup in processing due to being short staffed. I understand things happen and communication like this goes a long way. After my claims have been processed the reimbursement has always been very quick and having it directly deposited in my checking account is very convenient. I’m very happy with the service I’ve received the last three years and it’s been a godsend with these unforeseen injuries to my pup.
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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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