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: Kaymccbee

I love Pets Best

I love Pets Best! I can include the payment in my budget and then when my cats need medical care or have an emergency, they always handle my claim quickly and pay most of the bill!
Read more on Trustpilot
2

out of 5

POSTED: | BY: Mike Bernhardt

Fast to take your premium SLOW to pay your claim

All insurance companies are excited to acquire a new customer. And most pay claims on time. Pets Best loves to take you monthly premium and when you have a claim they love to hide in the closet, make excuses for being slow and, then they approve the claim but will not send you the check. This is a typical large and successful company that sells more than it can service. They love the profits but refuse to hire the required employees to service the customers.
5

out of 5

POSTED: | BY: Nancy P

Poky but easy

I switched to PetsBest from Figo because of a big premium increase. I submitted my first claim recently and have had a good experience. There was no questioning of the claim and the reimbursement I felt I was due came through with no problem. Like many companies, PetsBest is currently working with pandemic issues, so the payment took longer than I'd anticipated, but they contacted me to let me know why there was a delay and that my claim was being processed. So far, I'm very happy!
1

out of 5

POSTED: | BY: Lisa Mellone

Denied everything

Unfortunately this company denied claims for an allergy skin condition treatment they insisted was pre-existing. I don’t know how they could determine that?! Certainly not true. I protested and they came back with same response. It takes over a month for claims to be processed too. Very disappointing.
1

out of 5

POSTED: | BY: Emily

Terrible Customer Service- took over a month to process any claim or get a reimbursement

I cancelled my policy with Pet's Best after using them for about 6 months. To pay $45 a month on pet insurance and not receive adequate customer service is unacceptable. The claims process was extremely lengthy- took over a month for anything to process and I had to be the one to keep reaching out asking what is going on. I feel as though businesses are now using Covid as an excuse for poor customer service and that doesn't sit well with me, when these claims can all be processed via the internet. Overpriced insurance for low quality service. Would not recommend.
Please leave a review

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.
Provider website

Get a quote today

Leave a review