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.
3

out of 5

POSTED: | BY: CHRYSANTHI TZAGARAKIS

Horrible Customer Service

My biggest issue is how long they take to get back about a claim that is very expensive. I have been waiting 4 weeks for my dog's emergency visit claim. There is no one to email, I am unable to update the claim for extra information, and when I call I am on hold for over 30 minutes and end up not talking to anyone. This is very disappointing. They also claim flea/tick/heartworm prevention is included but they denied it for me because it was in a tablet form and that is not on their list of medications included. Definitely switching ASAP!
1

out of 5

POSTED: | BY: Katie Amsberry

All claims for English Bulldogs will be deemed pre-existing

If you are trying to cover an English Bulldog breed I would recommend looking somewhere else. Before signing up I asked my vet if anything in my dog's file would appear to be preexisting and they said no. Then mostly everything I submitted for reimbursement was deemed per-existing and not covered. He had an un-diagnosed stomach issue and just needed new food and b12 supplement, nothing was covered for that. Eventually he needed cherry eye surgery and soft pallet surgery, none of that was covered. He ended up spending the night in the ICU after surgery, none of that was covered. It is also VERY difficult to get questions answered, 2.5 hour wait times on the phone and no direct email to get questions answered. When you are a new customer that is interested in a quote you will hear back but once you are a paying customer it feels impossible to get someone on the phone.
5

out of 5

POSTED: | BY: Bill Turner

Great Insurance - Gave my Girl a Chance

I think PetsBest is excellent insurance. I was able to upload files via the app and not overnight, but a quick process in reviewing and processing the claim was great. I never want anyone’s dog to have cancer and have a leg amputated. But this where I am at today. The doctors are saying that my little girl has gained another 4+ years in of life with the surgery. I thank PetsBest for their coverage. It gave her a chance that without insurance would have been hard to provide the care.
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5

out of 5

POSTED: | BY: Sarah Cooper

Wonderful Company!

Pets Best has been wonderful to work with. We had the insurance for a few years when our 5 year old Goldendoodle Walter got diagnosed with an aggressive form of cancer. With all of the emotional distress this diagnoses caused our family, the last thing we wanted to worry about were finances and not being able to select the best treatment possible. Pets Best helped alleviate that financial stress and we were so thankful we had purchased the insurance. Unfortunately, Walter passed away soon after his diagnoses, as the cancer was very aggressive and no treatment was proving effective. Pets Best processed our claims as quickly as possible, and even sent us a sympathy card after seeing on the uploaded receipts that he had passed. On top of all of this, they included a check that reimbursed us for the remainder of the annual cost of the plan. This act of kindness went a long way, and we were so appreciative we were working with such a good company. We struggled a lot with the loss of our best friend, so anything to make the overall process easier meant so much to us. We would highly recommend Pets Best to anyone looking for reliable pet insurance.
5

out of 5

POSTED: | BY: Heidi Mayer-Beiersdorfer

No problems

No problems. Always happy to get some money back.
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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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