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: Kristin Kurtz Erb

Everything went well for my first claim…

Everything went well for my first claim submissions. It took a bit more time than expected, but I understand it's a busy time.
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5

out of 5

POSTED: | BY: Kamalesh

Pets Best is the best insurance

So far it has been great experience with Pets Best, easy to file a claim, very much satisfied
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5

out of 5

POSTED: | BY: Judy

As always

As always, Pet"s Best gave prompt consideration to my submitted bill. I have been satisfied with their service since I first started with Pet's Best several years ago
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5

out of 5

POSTED: | BY: Kristin Crowe

My experience was great

My experience was great. Adding in my direct deposit info was super easy and I really appreciated receiving an email letting me know the claim was approved as it let me know I should monitor my bank account for a deposit. As a first time claimer, I am super happy with this experience.
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1

out of 5

POSTED: | BY: Nerma Porcic

2 pets, same health, 2 insurance companies. One Sucks.

I have two cats, one covered with PetsBest and the other with Figo Pet Insurance. Both of them had the same procedure done (same insurance coverage) where they had to clean their teeth and ended up extracting a few teeth each. Figo covered EVERYTHING. PetsBest denied it all. I even pay for the highest coverage where vet visits claim to be covered and prescription meds. They said its not covered. My advice is to READ THE FINE PRINT. Pets Best is incredibly misleading in what they cover and you are made to believe these things are covered until they dig up some far fetched clause that "qualifies" you or doesnt. What a waste of money. Immoral. This company is a scam. I have cancelled their insurance and am moving my cat over to Figo Pet insurance
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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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