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.
1

out of 5

POSTED: | BY: Crystal Martinez

If I could give a 0 I would

my claim was denied because they kept saying the vet did not get them information, which was a lie because I was copied in on the emails. The wait time to talk with someone is over an hour! Noone ever gets back with you. The "live chat" feature never works. If you leave a message noone ever gets back with you.
1

out of 5

POSTED: | BY: Collin

Terrible Claims Processing

Do not buy this pet insurance. Until last week, I had 2 English Mastiffs insured by Pest Best insurance. I have been insured by them for over 5 years. I chose them because of all of the great review and their ease of filing claims. In the first 3 years of being insured, I never had a claim. When I finally had a couple claims, their claims processing time was a week or two from beginning to end. Now, it takes 3-4 weeks. In addition, they "lose" documentation that has already been submitted online. Last week, my 3 year old mastiff was diagnosed with hermangiosarcoma, a tumor on his heart. It ruptured and we lost him in 24 hours from the diagnosis. As if it's not hard enough losing a pet, dealing with Pets Best's claim service has been horrible. No one answers the phone or the live chat. I submitted receipts for payment, then detailed receipts of services. A week later, I am being asked for the original receipts of payment...and it starts the process over. Save yourself the trouble and chose another insurance company.
5

out of 5

POSTED: | BY: Samuel

Pet's best insurance was literally a…life saver

Pet's best insurance was literally a life saver for our 13 year old coton de tulear. She had to have emergency gall bladder surgery and altogether it cost over $21,000. The claim did take almost 39 days to process but due to the high dollar cost, it took them longer to review. But they came through and reimbursed us 80% according to our policy. Don't know what we would have done without the insurance with Pet's Best.
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5

out of 5

POSTED: | BY: Connie Ralph

We are so very pleased we decided to purchase pet insurance from Pets Best!

The best decision we've made for our new pup's health!
5

out of 5

POSTED: | BY: Christy Patch

Coverage you can count on!

We've had to make two claims with Pets Best in the last year, and both times I felt like we received excellent service. They were responsive to emails and messages, and kept us updated throughout the process. Filing a claim was simple and took just a few minutes of my time, and we were reimbursed the funds fairly and in accordance to our coverage. There was a small delay in claim review due to the onset of the Covid crisis, but it was not excessive. All in all, I feel like Pets Best is one of the best, giving good coverage at affordable prices.
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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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