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.
1

out of 5

POSTED: | BY: DP

I have tried calling for months…

I have tried calling for months regarding claims that I have submitted and NO ONE answers. There is no customer support email addresses, so I send them issues I have with their so-called "claim findings" to the claims department with no response. Now they needed to check with the vet for records and it was a specialist the vet referred us to. I told them the real vet and then another email saying they need to get the records from that vet, dragging the process out longer. Typical insurance, doesn't mind taking your money, but use every excuse to avoid paying anything.
Read more on Trustpilot
5

out of 5

POSTED: | BY: John Manning

Pet's Best made it possible to find out what was wrong with Augie who was having trouble walking. We did an MRI and found out.

Pet's Best was very efficient in handling our claim and prompt in paying it. Thank you.
5

out of 5

POSTED: | BY: Jill Carbone

Straightforward insurance coverage that gave peace of mind over the life of my Great Pyrenees

Pets Best has a straightforward model where they pay 80% of a claim after the deductible. I had several incidents with my 100+-lb dog from when he was 2 (emergency surgery to remove an ingested foreign body) to 10, when he underwent palliative treatments for osteosarcoma. The claims process is simple and easy to understand. The monthly premium understandably increased year over year.
4

out of 5

POSTED: | BY: Ron R

When a $1,000 deductible is really $1,300

Cheaper than most, but beware. The deductible is higher than posted because of the shady way they calculate it when submitting a claim. I had what I thought was a $1,000 deductible, but when I had $1,500 in vet bills. I only received roughly $200 back. I have 80% reimbursement so I expected $400 back which I calculated as I pay the first $1k and then I am reimbursed 80% of the remaining $500. The way they calculate that is misleading and borderline shady. Basically, with a $1,000 deductible and 80% reimbursement, you need almost $1,300 in expenses before they will pay anything out which is more of a $1,300 deductible. will say they are cheaper than most and the claims process was easy. I just wish they would calculate a deductible like most places do.
Read more on Trustpilot
1

out of 5

POSTED: | BY: Britta Conlon

KNOW WHAT YOU ARE PAYING INTO!

Borderline a scam to get loving pet parent's hard earned money, while actually covering very little. PLEASE PLEASE read every fine print and ask questions! Do not assume anything. This company will not cover ANYTHING related to a pre-existing injury or illness to your dog. So for example, if your dog hurt their left leg 6 months before you got the insurance, then anything that happens to that leg AFTER is on you. They won't even cover prescriptions, if it pertains to that leg! Insane. What is the insurance good for??? Not to mention, good luck actually getting customer service on the phone in under 30 minutes. Terrible experience and $400 dollars down the drain. It's a shame to take advantage of people.
Please leave a review

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.
Provider website

Get a quote today

Leave a review