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.
4

out of 5

POSTED: | BY: Jacklyn Lowe

I would say a year ago I would have…

I would say a year ago I would have given them five stars. I always feel their reimbursements are fair. I'm not sure why the other reviewers felt there was a problem with that. You get back what the policy you picked stipulates. I have had some appeals and after the appeals I get either a great answer or a reimbursement. I actually feel they paid for things that they could have easily denied. They have dropped to four stars because of the reimbursement wait time. I have a current appeal due to a mistake ON MY VETS part (not PetsBest) and the rep told me via phone to expect an answer in six months. That seem really excessive. As stated by others and even PetsBest themselves if you know you have growing pains then a response to this should have already occurred. Otherwise I would still recommend them. It makes me wonder if there is a problem within the company.
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5

out of 5

POSTED: | BY: Jill Shahan

It's called Pets Best for a reason!

Excellent customer service.
5

out of 5

POSTED: | BY: Bob Dokhanchi

Don't go without insurance

Do not go without insurance if you have a pet. They are awesome. Easy to file with the app and money comes in 3-4 weeks later. Very painless process.
3

out of 5

POSTED: | BY: Bill

Nitpickers

As anticipated they nitpicked the invoices and excluded as much as they could make an argument. It seems pretty much like most medical insurance companies that really don't want to pay. We can live with the nitpicking, that was expected but it too countless emails and calls. Regretfully the pandemic the nation was hit with exacerbated an already defined slower process. Final results were ok but if I had not been a pain in their *** I suspect it would be extended for months. I can't say in the end I did not get paid but they tried.
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4

out of 5

POSTED: | BY: Tracy Merrill

Price of policy is reasonable

Price of policy is reasonable. Other than the amount of time it takes to process some claims, this insurance company is good.
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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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