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: Adriana Lopez

Couldn’t be happier

My pet has a lot of issues and a lot of prescriptions. I can always count on pets best to reimburse my money at a reasonable time frame. When I call on phone, they are always polite, caring, and know their information. I’ve recommended pets best to all my friends and family. Everyone is happy with this insurance.
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5

out of 5

POSTED: | BY: Rachel Hackius

Healthy Dog, Happy Life.

Super grateful for the easiest way to submit for reimbursement. It takes away so much stress of vet visits. This insurance is something I hope I only have to use once a year. Healthy Dog, Happy Life.
5

out of 5

POSTED: | BY: Pam Keuscher

I filed my first claims and they paid…

I filed my first claims and they paid the entire Bill's. I was amazed and very happy with this insurance co for my pup
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5

out of 5

POSTED: | BY: Mark Repicky

Continued Awesome Service!

As usual we continue to receive awesome service from Pets Best Pet Health Insurance. I’m amazed how quickly the turn around time they process our claims submitted. They actually process our Pets (JAX & DOLLY)’s claims quicker than my personal human medical insurance. Way to go, keep up the great job!
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1

out of 5

POSTED: | BY: Genny Slater

Paying for this "insurance" is completely pointless

Phone customer service is HORRIBLE. My first claim, for basic preventive care, took well over one month to process and pay. The second one, after initially being denied due to a request for more medical records, was ultimately denied due to a pre-existing condition. The only pre-existing condition my pet has ever had was demodex. My second claim was for a visit to the vet that determined he was experiencing allergies. Demodex and allergies are NOT the same condition. If this "insurance" is not even going to cover the cost of the vet visit, there is absolutely no point in paying $55 a month for it. I am extremely dissatisfied and have canceled my policy. I participate as a volunteer and foster with several local shelters in a very large city. I have been and will continue to let everyone I come into contact with know how horrible Pet's Best service is.
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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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