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: Jonathan Middlebrook

PB did exactly what they contracted to do

Up front: I'm suspicious of insurance companies with their legalese, small print sub-sections and light toned type on p.3. PetsBest gave the lie to suspicions. They did exactly what they contracted to do, greatly easing the $1200 bite of an 18-hr weekend ER visit for my labradoodle. Thank you, PB!
5

out of 5

POSTED: | BY: Suzanne Mitchell

A long-time, very satisfied consumer

In 2009, we moved from a company we had used for many years because we were so dissatisfied with the knit-picking of claims and the meager reimbursements. Over the last 11 years we have had 3 dogs and 2 cats insured with Pets Best and couldn't be more satisfied. Two of our pets had long, chronic conditions and Pets Best was always there for them up to the point of maxing out their benefits, which we did in a few categories. There have been minimal requests for additional medical records — often a very time-consuming delay — and although payments have slowed considerably in recent months, at least the reimbursements eventually materialized. I have recommended Pets Best to many of my pet-owning friends. A word of caution — as the pet ages, premiums do get very expensive. I wish the animal's overall health record was considered along with the age factor in setting these premiums.
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5

out of 5

POSTED: | BY: Jade

Not as good as I thought it was going to be

It was easy filing the claim and got approved right away but now it's been 2 weeks and still no reimbursement
5

out of 5

POSTED: | BY: Pablo anzueto

SCAM

This company is a scam. I have paid 4 months and they still processing a claim from over 2 months ago. Do NOT trust this company
5

out of 5

POSTED: | BY: Natalia Casanas

Reliable and efficient

I’m new with dos insurance but, thankfully, so far I have very good response from their team and fair reimbursement of my claims.
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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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