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: Shanteria Dixon

Ease of submitting a claim and the…

Ease of submitting a claim and the prompt refund is appreciated. Friendly customer service. So far a good investment.
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2

out of 5

POSTED: | BY: Lynn

Long Processing Times and Difficulty Getting Claims Paid

My claim was denied originally despite all documentation from the visit being provided. When I tried to reach someone on the phone or chat it was almost impossible. When I finally could talk over chat I was told the doctor's SOAP notes were needed from my pet's very first visit that was months prior and unrelated to the current claim. The doctor sent them over, and despite PetsBest saying the claim would be reopened when the notes were received, it never was. This time I was able to get someone on the phone from your company after almost an hour of waiting, and was told the notes from the doctor were never forwarded on PetsBest end to the processing department after being received. Months later, the claim was finally paid out, but never would have been if I didn't call to make sure you all did your jobs properly on your end.
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5

out of 5

POSTED: | BY: Ciara Maxwell

Easy to sign up

Easy to sign up! Easy to file claims and get the reimbursements. The only thing I had issues with was filing a claim on the app, as it kicks you out every time you leave the app to scan a document or whatever else you need to do outside the app, so I definitely use the website more often.
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3

out of 5

POSTED: | BY: Xavier RUSTE

Good, yes, maybe. Fast, definitely not

I am reading the reviews and although I usually do not review I want to make one thing clear : PetsBest is NOT fast. It takes a minimum of 3 weeks for them to process and reimburse any claim, even the most straightforward. Many will take maximum a week. I compared and think the coverage is very well positioned for the price compared to competition but ‘Fast’ does not define the service. Also the detail of benefit is not always clear and it is very hard to tell why this or that or covered or not. I think this is the same with most others. If you want a good pet insurance for a reasonable price, maybe. But if you want a fast one, this would not be your first choice.
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5

out of 5

POSTED: | BY: Ian Riley

Easy peasy

Easy peasy, every time! Prompt review and reimbursement per our coverage. Love it!
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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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