Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,747

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: BD

Unaffordable as soon as your dog’s age

I have been a customer with PetsBest for over 12 years. I have 3 dogs. The first few years the cost of the plan is reasonable. However, the older your dog gets the more expensive the plan becomes. In addition, there is a cap on the amount you can claim per dog. Going into my next annual plan, my premium is so high that I will receive almost nothing in claims ie premium is $9600/yr with a max claim of $15K per year. My premium is going up $200/mo for the new year. If I had known that they were going to price me out of the plan just when my dogs are old enough to need it, I never would have started with them. This is more or less a scam unless your dog gets sick when they are young. Definitely DO NOT recommend!
5

out of 5

POSTED: | BY: Shawn

Excellent

I am totally satisfied with pets best. All of my insurance claims have been handled successfully
5

out of 5

POSTED: | BY: Claudia Lytle

Pets Best has been great

Pets Best has been great. My dog has been going through a very long (8 months) health issue - an immune disease that causes her body to destroy her platelets. They are a God send where it concerns helping with all the vet/medical expenses. I would recommend Pets Best to all dog/cat owners.
5

out of 5

POSTED: | BY: Yuko Kato

Process for claim was easy

Process for claim was easy. Pet best emailed me to apologize for the delay. For me it was not too long for the process to be completed. Thank you!
5

out of 5

POSTED: | BY: Anne

Easy to file claims on the app

Easy to file claims on the app. Prompt reimbursement and/or explanation. If it’s going to take longer than usual, they give you a heads up.

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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