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: Jessica Lledes

The best insurance for your pet !!!

I was to say that I was hesitant of having a pet insurance but it is so worth it!! My dog had an accident resulted in a paw laceration, pet best revolved my claim very fast and I was able to receive my reimbursement very fast which made me feel so grateful for having this insurance. I have 2 puppies and it is very importan te to be prepared for unexpected accidents and illnesses. I would definitely recommend this insurance to any god owner !!!
1

out of 5

POSTED: | BY: Jeffrey Linneman

Denied Claim

Our claim was denied based on a referenced part of the policy that excluded repeated occurrences despite the fact that I disclosed our Lab's history when enrolling. There was no indication that these claims would not be covered when enrolling. Instead, we were left eating over $5K of surgical expenses. We are once again, dealing with a bad faith decision from a corporation due to a technicality buried in a legal document.
5

out of 5

POSTED: | BY: Chris S

Great plan!

Took my puppy in for vaccinations and checkup, had my reimbursement within a couple weeks.
1

out of 5

POSTED: | BY: Oleg Goncharuk

Scums

Scums, do not pay claims, stay away.
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1

out of 5

POSTED: | BY: Cindee Moore

Totally mislead..

I have Had my 13-year-old lab insured with Pets Best since he was six months old. I found out recently that, although I was told by the Pets Best rep I spoke with when I called to inquire about my largely increasing monthly payments, Years ago , she said if my dog was ever to get cancer, as labs commonly do, as he got older, that he would be completely covered for all of his treatments. I was not aware that there was a cap on each claim of $2500. I Guess I should not have taken her word for it and read the fine print. Every year the amount each month increases largely, and I’ve been paying , thinking as he gets older if he were to get anything like cancer, then we would be covered. I was upset to find out today, that that’s not true. $2500 doesn’t go very far when we’re talking about cancer treatments So because I was so mislead , if my dog does get a chronic serious condition, I will not be able to afford treatment. and I cannot sign up any where else At this point , because he is an older dog and the premium will be completely unaffordable. I spoke with A supervisor but she could not, or would help me with this critical issue.
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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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