Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,143

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.
1

out of 5

POSTED: | BY: Am V

Pets Best price gouge 5 years in…

Pets Best raised our rates substantially (more than doubled) in less than 5 years. Given that clients are stuck with a pet insurance company after signing up or risk having them exclude any "existing conditions", they are taking advantage of us. This is an unethical business practice, and we are seriously considering cancelling and just having a pet savings account.
5

out of 5

VETERINARIAN: Veterinary Medical Center North–University of Minnesota

POSTED: | BY: Taylor DePauw

Pets Best is allowing us to have more time with our dog

My dog Echo (7 y/o MN Pomsky) has been a pretty healthy guy his whole life, we were actually considering not continuing with pet insurance this year but did keep it "just in case". In April he started limping, we first thought it was an injury but rest and steroids didn't help at all and it got serious very fast. Our vet referred us to neurology and we were scared and confused how a limp could be neurological. After and MRI they found an inflamed brachial plexus nerve, they said it's possible its from and injury but more likely it was a malignant peripheral nerve sheath tumor (MPNST). We tried more steroids in hope it was just inflammation but he just kept getting worse. After a second MRI they saw the nerve was thicker and the only option was amputation and a hemilaminectomy to get rid of his pain. We got this histology back and it was confirmed he has MPNST and they were not able to get clean margins because it is coming from his spine. We are now doing radiation therapy in hope of killing the remaining tumor cells. Having Pets Best insurance has allowed us to do everything Echo has needed for the doctors to care for him best and we didn't have to stress about the cost of it all. We are about $30,000 in so far and Pets Best had been amazing and covered 80% of it all, allowing us to give Echo every treatment and option for a pain free life. I don't know if our boy would be here today if we didn't have the pet health insurance, we are so incredibly thankful for Pets Best insurance helping us have more time with Echo
5

out of 5

VETERINARIAN: HART for Animals, Inc.

POSTED: | BY: Kayla Snyder

Wellness check up

My claim went through right away, was in my account within days. I would definitely recommend Pets Best Insurance.
5

out of 5

POSTED: | BY: Emily Jackson

Pets Best is the Best, Literally.

This has got to be the clumsiest, most expensive dog I have ever owned, but I am so thankful I had the foresight to get him pet insurance as a puppy. Pets Best has been there for us every step of the way, and I am so incredibly thankful to have a policy that covers all of Jasper's needs. Never once have I had to worry that we wouldn't be able to take care or him or that his claims wouldn't be covered - I recommend Pets Best to all my friends and family for their own pets needs. It really has been a life saver - MULTIPLE TIMES!
5

out of 5

POSTED: | BY: Alex

Great service, highly recommend

Great pricing, easy/fast claims. How insurance should be.

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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