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: Ali

Going on 2 months and they can't pay 2…

Going on 2 months and they can't pay 2 claims but they have no problem taking my monthly premium on time. This company is a complete fraud. I am reporting them to the BBB and trying to find a new insurance company ASAP. They do not fulfill the contract. My claims are approved yet they are keeping thousands of dollars from me. This company should be shut down. And you cannot get a person on the phone.
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1

out of 5

POSTED: | BY: Beverly Boyd

I didn’t get a clear answer to my…

I didn’t get a clear answer to my questions. The answer to me was, well if you you did this then this is the answer, but if you did this, then this is the answer. Well I still don’t have the answer to what I asked. I wanted to know when and how I would receive my reimbursement. I am canceling Pets Best Insurance this week. Thanks
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1

out of 5

POSTED: | BY: Angela Geyer

There is no point in paying for this.

There is no point in purchasing an insurance plan to be told that your pet has a pre existing condition even if there is no prof of it. The vet and hospital can’t find anything pre existing in their records yet the insurance is claiming that. We were promised that as long as the dog was healthy and medical records didn’t show issues, the surgery would be covered. We kept the insurance and paid on it for almost a year every month. He needed a surgery and the insurance claims the issue was pre existing yet we bought the insurance only a few days after getting the puppy. Now we have a 4,000 bill and a monthly payment each month only to be told they don’t cover anything. Unbelievable.
5

out of 5

POSTED: | BY: Rand Reasoner

Glad I'm not paying this alone

Cubby is our one year old Shih Tsu. He is going to be neutered and have an umbilical hernial taken care of. I'm very glad to have insurance that covers a great deal of this expense. The process of filing a claim is simple and the money deposited right into my account.
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5

out of 5

POSTED: | BY: Deborah Myers

Pet's Best is The BEST!

Pet's Best is the insurance company I've found to be the best out of all the "top" rated ones. I've had 2 before and they were not good in one way or another. We have 2 large Ragdoll cats, and Pet's Best is what I recommend to anyone who asks me. Keep doing your wonderful job. :)
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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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