Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,149

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: Lindsy

Pets best paid $25,000+ of medical bills

I had pets best for my 3 year old English lab. After a night of playing with his friends, he had a heat stroke. We had to take him to the ER where he received plasma infusions for 24 hours. After this, it was stated that he had a small chance of survival. We were given the option to put him through dialysis. After the worst week of my life, and 3 dialysis treatments, we found out that my poor Wallace didn’t have functioning kidneys anymore. He came home for a couple days and passed away. After all of the treatment, we paid about $26,000 of medical bills. Pets best paid for the majority. All said and done, we only paid a couple grand. I can’t believe they covered as much as they did. I was traveling and saw that I had the final $16,000 direct deposited into my account. Pets best really made this terrible accident a lot less painful. All I can say is thank you.
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2

out of 5

POSTED: | BY: Silvina Candia

Submitted claim for my dog who I…

Submitted claim for my dog who I recently adopted. The claim was for his first vet appointment for a wellness visit and vaccinations. During the exam the vet noticed an ear infection so prescribed medication for that. Pets Best did not reimburse the charge for the exam because they said since they found the ear infection it wasn’t a wellness visit. So if they didn’t find the ear infection they would have reimbursed? That makes no sense. I called to advocate that that charge should be reimbursed. Agent said she would look into it but it seems it should have a non-issue to reimburse the first and only exam my dog has had.
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5

out of 5

POSTED: | BY: Linda Wain

I was happy with the speed in…

I was happy with the speed in processing my 1st claim and explanation of coverage.
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1

out of 5

POSTED: | BY: MARIA Santos

ON HOLD FOR OVER ONE HOUR!!!!!!!

I have called them on two occasion to up date my Account and some other concern question that I have. Apparently they do not enough representative employees . My hold time for my first time calling was over 55 min. Today it is past 1 hr. and 25 min. and still on hold. YOU KNOW WHAT IT IS TO HAVE YOUR PHONE LINE TIED UYP FOR SUCH A LONG TIME. THIS IS UN HEARD OF. AND I CAN EVEN HANG UYP ITG BEEN MORE THEN AN HOIUR TO JUST HANG UP. AM I EXPECTING A REPRESENTATIVE SOON??? THIS IS A JOKE. SERIOUSLY.
5

out of 5

POSTED: | BY: Cathryn Gould

Cancellation due to euthanasia

I was impressed by the compassion conveyed by the staff when I told them we had to put our dog to sleep and cancel her policy.
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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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