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: Esmeralda Nava

Even though the processing was a little…

Even though the processing was a little slow due to COVID the actual process was easy. I submitted my forms and right at 30 days I had received my reimbursement minus the deductible. Every little bit helps.
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4

out of 5

POSTED: | BY: Michelle Foley

They ultimately approved all my claims…

They ultimately approved all my claims without questions, it just took nearly a month. Additionally their customer service on the phone need attention, the two times I called I was on hold for over an hour. Otherwise no complaints and I’m glad they covered my dogs medical expenses
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2

out of 5

POSTED: | BY: Georgette Meister

I placed my submission in August

I placed my submission in August. It wasn't paid out until the very end of September and after I had to resubmit 3 times via email and finally call customer service. I spent over an hour waiting on the phone but the person I spoke with was much more helpful than the emails I had received regarding my submission. She was polite and quickly figured out what was wrong and how I could fix the submission. When I received my check, it covered less than half of the bill, despite going with a higher coverage that led me to believe nearly all of it would be covered when I read it.
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2

out of 5

POSTED: | BY: Laricka Tollerson

I submitted two claims at the beginning…

I submitted two claims at the beginning of the month and received delay notices, still waiting for second reimbursement. The monthly payment was taken immediately. The web site camera for claims need to be improved. I want my pet to be covered and quicker returns.
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3

out of 5

POSTED: | BY: Heidi

I've been a Pets Best customer for 15…

I've been a Pets Best customer for 15 years, possibly more. I don't know what's going on with them, but up until a year ago you always received reimbursement within 2 weeks, usually less. It now takes close to 2 months! It's ridiculous. I also have to list my pets diagnosis and date of every single time! I don't remember the exact dates of diagnosis especially when it's been a few years. I think they have expanded too much and can't keep up with demand. I'm not sure if I will recommend them anymore.
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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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