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.
5

out of 5

POSTED: | BY: Lezley Stone

Completely unprofessional

Submitted a claim on January 18th for my dog that had developed a mucocele and a spleen mass. The entire claim was over $4000.00. My claim was opened and closed 3 consecutive times declaring that they had not received proper information. This was completely untrue. I had been checking my app daily for progress and responded each time I saw a change in the status of my claim. I submitted and resubmitted vet info to them 5 times throughout this process. Each time placing phone calls to representatives and being placed on hold for a minimum of 43 minutes and a maximum of 72 minutes. I spoke to multiple reps and each one apologizing about the confusion, assuring me it would be taken care of. Now on April 3, almost 4 months later, I receive an email saying they will cover $52.40 and the rest was not covered because of possible “pre-existing symptoms”. Completely untrue and unacceptable! Time to lawyer up!
3

out of 5

POSTED: | BY: Rachel Hartley Ferguson

I have 4 claims that are taking a…

I have 4 claims that are taking a little longer than expected to get processed.
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1

out of 5

POSTED: | BY: Lezley stone

Completely unprofessional

Submitted a claim on January 18th for my dog that had developed a mucocele and a spleen mass. The entire claim was over $4000.00. My claim was opened and closed 3 consecutive times declaring that they had not received proper information. This was completely untrue. I had been checking my app daily for progress and responded each time I saw a change in the status of my claim. I submitted and resubmitted vet info to them 5 times throughout this process. Each time placing phone calls to representatives and being placed on hold for a minimum of 43 minutes and a maximum of 72 minutes. I spoke to multiple reps and each one apologizing about the confusion, assuring me it would be taken care of. Now on April 3, almost 4 months later, I receive an email saying they will cover $52.40 and the rest was not covered because of possible “pre-existing symptoms”. Completely untrue and unacceptable! Time to lawyer up!
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3

out of 5

POSTED: | BY: Anthony S

Waited almost an hour to get someone on…

Waited almost an hour to get someone on the phone. EOB was not clear. Disappointed.
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5

out of 5

POSTED: | BY: Tonya Pleimann

Pets Best Health Insurance is Affordable, Efficient and Caring; they have my pet’s best interest and welfare at heart!

Pets Best Health Insurance is amazingly efficient, honest and accurate! I have never dealt with a better insurance company ... and this includes my own health insurance! The process is easy and completely forthright in their decisions. I feel my animals best health and welfare are in great hands with Pets Best Health Insurance! They are affordable, available at all times and super caring! THANKS BEST PETS HEALTH INSURANCE! 🤗
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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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