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: Sol Pakes

Painlessly Simple Claims and Reimbursements

I've always hated paperwork, so understandably I was a little turned off by the idea of submitting a claim and getting reimbursed *after* I paid for a vet visit. That being said, Pets Best made it painlessly simple. The submission was easy - I did everything online in just a few clicks. Two weeks later they sent me back a complete explanation of what was covered by my policy, and they even deposited the reimbursement directly into my bank account. Good dogs deserve good insurance, and Pets Best is just that : )
5

out of 5

POSTED: | BY: Zach

Great and responsive company!

Great, responsive company that quickly responds to claims and works with you to get them finished. I have been very impressed with pets best and am so glad I chose them as my pet insurance company. I obviously hope I never need to use it, but it is nice knowing I am covered if something bad does happen.
4

out of 5

POSTED: | BY: Matt

Overall a good experience

Overall a good experience, the claim was approved and covered exactly what our policy said it would. It did take a little while to hear something, would have appreciated some sort of update along the way. The customer service is a little lackluster - it's hard to actually get in touch with anyone.
4

out of 5

POSTED: | BY: Cheryl B.

Pets Best Insurance has been easy to…

Pets Best Insurance has been easy to work with. Just submit a photo of your bill that you paid to your veterinarian, specialist &/or pharmacy and they will get back to you with an EOB as to whether or not a reimbursement payment will be made to you. One star off because the turn around time can take a while.
5

out of 5

POSTED: | BY: Matthias Maier

Very user friendly app

Very user friendly app. Got reimbursed within 10 business days. Highly recommended

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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