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: Kerry D

Best insurance ever!

I've been a policy owner for almost four years now. I wouldn't even consider other pet insurance elsewhere. Great customer service, reviews, quick response and accurate claims process.
5

out of 5

POSTED: | BY: Naomi Matsuura

Pet Best is the BEST

I did a lot of research on various Pet Insurance as wanted to make sure that I get the best coverage for my pet. I ended up choosing Pets Best and have been with them since March of 2019. It may take awhile for them to get back with you on your insurance claim due to this pandemic times but they do get back with you and I am very satisfied with the coverage I get from them. It has saved me a lot of money since I started with them and mostly I do not have to worry should my pet have some serious injury or sickness. I feel secure knowing that I got good insurance.
1

out of 5

POSTED: | BY: Dr. B

Overpriced + Bait and Switch Gougers.

No claims and dog completely healthy. My vet recommended when my dog was a puppy so I signed up without comparison shopping. At year 6, they raised the rate from 700 for 5k a year coverage with a 500 deductible to 1000 a year for the same. Seemed outrageous to pay 1k a year for 5k insurance so I got comparison quotes. First one was 650 per year for 10k coverage with a 250 deductible. Twice the coverage for 35 percent less cost!!!! These clowns are price gouges who will obviously hike your rates through the roof when your dog gets old enough to possibly make a claim. Adios gougers!
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3

out of 5

POSTED: | BY: Jerry H.

Very slow to pay claims

Very slow to pay claims. This isn’t just due to COVID. Same long wait to process a simple claim as it was in OCT of 2019. Always Say they have too many claims to process. Perhaps they should hire more people as they don’t have too few employees to process taking your payment each month.
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5

out of 5

POSTED: | BY: Sherri Wenner

Great Service, Every Claim

Claims always processed without problems, and payment promptly direct deposited.
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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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