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: John Palmer

Online Vet Advice

The online availability to a veterinarian is very helpful. I have used it twice and gotten the answers which I needed without a run around. This is very helpful.
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1

out of 5

POSTED: | BY: Mycaela Everly

No Stars If I Could Give It None

If I could give no stars I would. HORRIBLE company that has crappy customer service and makes you wait on the phone for an hour or more before answering. They barely reimburse you anything for the price you pay monthly and then they don't cover what you actually need covered. So stupid and not worth it. I just switched pet insurances because PetsBest is so awful
1

out of 5

POSTED: | BY: Mycaela Everly

If I could give no stars I would

If I could give no stars I would. HORRIBLE company that has crappy customer service, barely any coverage and makes you wait on the phone for an hour or more before answering. They barely reimburse you anything for the price you pay monthly and then they don't cover what you actually need covered. So stupid and not worth it. I just switched pet insurances because PetsBest is so awful
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5

out of 5

POSTED: | BY: Linda Baldree

Amazing and efficient service

Great service. Claims are processed quickly and payments made in a very reasonable time. Never any issues.
5

out of 5

POSTED: | BY: Kathryn Cavanaugh

Truly Satisfied

I'm typically not one to leave reviews, but I feel that Pets Best deserves this review. I had read mixed things, which isn't unusual wen browsing the internet. Regardless of the negative reviews, I chose Pets Best because they offered affordable coverage for my aging pet. I want to give him the best I can, but I still have a budget to work with. When he was diagnosed with Lymphoma (not too long after purchasing the policy, might I add) I was worried they might deny my claim because I was such a new customer. I have to say that I have had ZERO issues. Their coverage is amazing and while a bit delayed due to COVID, I still find that I am receiving a check in a timely manner. They even e-mailed to apologize for the delay, which is understandable given the current circumstances. The last two claims took about 6 weeks. Personally, I am VERY pleased with that turnaround time. The one thing I think they could improve on is their wait times when calling. I have called twice and my average wait time is about 45 mins. Having a call back option would be beneficial. Overall, I'm very happy with the coverage and I am happy to recommend them to anyone, especially if you are in need of coverage for an older animal. From the bottom of my heart- Thank you Pets Best. My dog is thriving and I am making the most of this extra time with him without the financial strain. We will FURever be grateful <3
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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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