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: Kaley Scherer

Covering my cat through PetsBest is the best decision I could have ever made for him and I

I can’t express how grateful I am to PetsBest. First of all, it’s affordable for me each month. Like most people, I’m not made of money but my cat is my baby and I wanted him to be covered if he ever needed it. I work in animal welfare and I know things happen all the time, sudden illnesses, unexpected injuries, even just kitty colds develop. These things just happen and I wanted to be prepared for when they did. Even if you do everything right for your pet, health problems will still arise, they just do. Well 6 months into having this coverage, we needed it. My sweet cat swallowed a piece of one of his toys and it created a blockage in his stomach/intestine. I was worried beyond belief, and knowing emergencies are expensive made it even worse. But I double checked my policy and saw my plan covered emergency expenses. I put the costs on a credit card, knowing I’d be reimbursed later on, and I was able to focus on the well being of my baby. Filing a claim couldn’t be more simple, you literally just take a pic of your receipts and upload it, I did it all on my phone. Within 3 weeks, I was sent a reimbursement check that covered 90% of what I paid at the ER. I couldn’t be more grateful to PetsBest. And I’m happy with myself for choosing to go with them. My cat is doing amazing now. He is only left alone with toys that he can’t chew up, lol. Knowing he is covered for the future helps me sleep easier at night. I plan on adding the wellness plan to my policy when it renews. It costs a little more a month but it is so worth it. I joke and call myself the unofficial spokesperson for this company because I tell everybody about it! I recommend it to everyone I know who has pets. I literally forced my sister and my mom to get coverage for their pets. I told them they won’t be sorry and neither will you!! Thank you PetsBest ♥️
1

out of 5

POSTED: | BY: Unhappy

Thinking of canceling this insurance…

Thinking of canceling this insurance since my other dogs’ insurance elsewhere seems to cover more services.
5

out of 5

POSTED: | BY: Darcy Andersen

I am so grateful for this company

I am so grateful for this company. They are always very helpful when I have questions. My dog ended up having some unexpected medical expenses this year that I don't know what I would have done without this insurance.
5

out of 5

POSTED: | BY: Mrs. Austin

Pets Best has an easy-to-use system…

Pets Best has an easy-to-use system that's quick and painless. The turnaround time for claims processing is fast and their communications are timely.
1

out of 5

POSTED: | BY: Amadeo Bellotti

Horrible Experience

This company is horrible. They will find every single way to not pay your policy out. The passing of my dog was made 100 times worse because they refused to pay his final vet bill. They knew I was not going to return to the company because he passed and took it as a final opportunity to screw me. They blamed his passing on a heart murmur he has had his entire life.

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 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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