Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,152

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: Autumn Kelley Mattson

it was very easy to file a claim for my…

it was very easy to file a claim for my dog. Zero issues and they direct deposited my money into my bank. Made it a lot easier to get my dog the care she needed.
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5

out of 5

POSTED: | BY: Joann Ryan

Excellent service and one suggestion...

I always get great service from PetsBest. The only thing I wish is that they had an "uncapped" option for insurance. My Tiffany is undergoing chemo and we reached our cap so we now have to pay out of pocket for all ongoing chemo until August. I would love to stay with Pets Best for my future dogs but I may need to move to another plan with an uncapped option.
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2

out of 5

POSTED: | BY: Stefania Shopping

Very Sneaky and cutting corners. Many appeals

BEST RATE: YES. SNEAKY SHORTCUTS: YES CUTTING CORNERS: YES Basically, they will try every way possible to not cover some stuff on your bill. LIKE ANESTHESIA on a surgery ( as if it wasn't essential to perform surgery). Believe it or not. I have done an appeal for every claim. So it is a hassle to get the reimbursement they promised.
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1

out of 5

POSTED: | BY: Ivana Cerovecki

The worst experience ever

The worst experience ever! ZERO stars! My cat was hospitalized for bleeding from his mouth, when it occurred for the first time ever, which is clearly stated in his medical documentation. He was diagnosed with an extremely aggressive cancer (oral squamous cell carcinoma) with a median survival rate of 87 days. I did not get reimbursed for ANYTHING because - according to Pets Best - "stomatitis and hyperthyroidism" were pre-existing conditions. He was hospitalized (and diagnosed) for CANCER, and not stomatitis and hyperthyroidism... As an example: the claim for the histopathology exam - to diagnose which kind of oral cancer my cat had - was denied due to a "pre-existing condition"!!!!!!!! He was never diagnosed with cancer before and if he had had oral squamous cell carcinoma at the time I got the insurance for him, he would have been dead long ago. The entire experience has been outrageous and offending. I regret bitterly ever choosing this company. The wait on the phone to talk to a customer service representative takes hours, making it practically impossible to get any information. This is not the worse pet insurance I have dealt with, but one of the worse companies that I have ever dealth with!
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5

out of 5

POSTED: | BY: Jen Lacey

Best for the price

Pets Best has been great! Their claim processing time is a little bit long (2-3 weeks) but it's accurate and I haven't had any issues with things being covered. Their price was the best by far, especially for my older dog. Very happy with their service!
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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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