Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,789

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: Joshua Daniel Cooke

I love this company and everything but....

I love this company and everything and I have the MAX 90% plan with the add-ons and low deductibles. I've only had to use them twice. The first time I was thrilled that it took only a week for them to process my claim. However my dog had a more important exam and services the second time and I was counting on them to be as fast and proficient as the first time. The reason I have this plan is so when my dog breaks its leg, for example, instead of putting him down Like a lot of people are forced to do because they don't have the money including me Is If they can show friends family proof that they're going to get reimbursed for it so they get loans and pay them back and blah blah blah Or the medical direct reimbursement to the veterinarian form. I was depending on using this form in the future and keep trying to convince my vets to agree but it took 45 days plus to process my claim and I couldn't even get a straight answer from them whenever I try to reach out how am I supposed to convince a veterinarian to sign this form which isn't a guarantee of payment and expect them to wait 45 plus days.
1

out of 5

POSTED: | BY: Jeff

Not sure what I am paying for...

Like I said, not sure what I am paying for. Customer service is obsolete, communication is poor and when I reached out I cannot make contact with a human, appears to be a scam.
5

out of 5

POSTED: | BY: Taja Feistner

Pet’s Best is truly THE BEST!

Honestly my cat (Pizza) would not be alive today if it weren’t for Pet’s Best Insurance. A friend had suggested them to me a couple years ago and I joined because the plan is only around $20-25 per month (not much more than a Netflix subscription). Pizza didn’t have any preexisting conditions at the time and was only about 3-4 years old. This year during the pandemic he stopped eating so we took him to the vet and they found he has Chronic Kidney Disease (at only 6 years old!). After about 5 days in the ER the bill was over $7,000. I was so scared to try the insurance for the first time and worried they wouldn’t pay but all I had to do was submit photos of the receipt and bill and they paid 90% of it just like the plan specifies! Since his diagnosis he has had to go to the vet almost once a week, which comes out to around $300-$700 each time. There is no way we would be able to afford to continue to care for him if it weren’t for Pet’s Best, especially during the pandemic when both my partner and I lost most of our work as freelancers. Pizza is still so happy and active and has no idea that he is terminally ill. Now we can enjoy all of the moments we have left with him without worrying about the vet bills and he can get the absolute best care without cutting corners. I’m so thankful for this company.
5

out of 5

POSTED: | BY: Glenna Hilton Young

I have always had great experience with…

I have always had great experience with your company. I send in my dog's medical bills and get great service and if I have any questions I get to speak to a real person. Thank you
1

out of 5

POSTED: | BY: Mary Lee

Does not pay for dental work even if you have dental plan

My dog needed dental cleaning and after the anesthesia and x-rays, the dentist told me that there were some teeth that needed to be removed. Even thought I have the dental plan, Pets Best did not pay and do not answer the phone. Very disappointed, looking for new insurance for my 3 dogs.

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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