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.
2

out of 5

POSTED: | BY: Linda

Increases

For many years I felt comfortable and confident having Pets Best. I understand that rates go up based upon your dogs age, but this last increase is exorbitant. The rates have steadily increased over the past 5 years which I find to be unfair since I have been a devoted member to pets best. In our current climate of a global pandemic where many are out of work, zero consideration was given to the circumstances.
5

out of 5

POSTED: | BY: Gail Polsky

I never write reviews and I have never…

I never write reviews and I have never gotten pet insurance before; I decided to write this review because Pets Best has made the whole process unbelievably easy. They are responsive and helpful. I have called the on-call vet and had a great telehealth experience, submitting bills very easy and receiving reimbursement has been relatively quick. Highly recommend Pets Best Health Insurance.
5

out of 5

POSTED: | BY: Brian Schafer

Good Experience

Just started a few weeks ago and my puppy Jack had some shots due. I submitted the claim by snapping a photo of the paid invoice on the app and a couple of weeks later got the direct deposit paid very pleased.
5

out of 5

POSTED: | BY: Katie

Great customer service!

Great customer service and prompt processing even during the pandemic. Thank you PetsBest!
5

out of 5

POSTED: | BY: Lilly

Pays for itself!!

I have my Cavalier King Charles Spaniel, Daisy, on the BestBenefit Plan and it has most certainly paid for itself so far. Daisy was diagnosed with a luxating patella in March 2020 (exam and diagnosis was covered), and I was told it is in her best interest to get a surgery consult by an orthopedic specialist. In July 2020, she had her evaluation and it was confirmed that she would need surgery (surgery consult was also covered). Daisy finally had her knee surgery for Grade III Patellar Luxation in November 2020, which to my pleasure, was also covered by her plan. The overall cost of Daisy’s diagnosis, surgery consult and the surgery itself was around $3,320. In total, I’ve only paid about $550 out of pocket for all of this, which has saved me from financial turmoil. I highly recommend Pets Best, as it is super easy to submit a claim, they fairly evaluate each claim per your pet’s plan and the coverage options are better than any other company! Truly incredible.

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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