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.
3

out of 5

POSTED: | BY: Thomas Rivera

Dishonest claims but friendly customer service

I filed a wellness claim for one of my dogs once I had confirmed that wellness coverage had kicked in. They advertised an under 8 day turn around time, however when I called after making the claim to confirm receipt of all requisite documentation (this was just routine preventative care and neither injury nor illness) I was informed that it could take up to 20 days. We're right up on the 30 day mark and while I've received an apology email, I can't help but feel severely disappointed in their lying to me in advertising and then again in guaranteeing under 20 days. However - their call center is staffed by incredibly friendly people that are delightful to speak too. Is the company dishonest? Absolutely. Will I ever recommend them again? Absolutely not. Despite that, they do stand apart from competitors with how friendly their call center staff is.
4

out of 5

POSTED: | BY: Lucita

once the insurance and pre-existing and…

once the insurance and pre-existing and covered expenses are established it works pretty well. My only issue is that it seems to be taking longer and longer for reimbursement. originally had a turnaround of about 1 week, now it's several. if there are that many claims now and so backed up, they should hire more reviewers. sometimes the settlement of a claim can make a difference as to how to proceed medically as well as financially.
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2

out of 5

POSTED: | BY: Alexander Tobias

Short of Expectations

Claim took about a month to be processed and not all services were even covered. So far not a sensible insurance for my dog.
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1

out of 5

POSTED: | BY: Stacy Rose

Company isn’t as good anymore

I have had my dog Abbie covered by Pets best since she was about 6 months old and she is now 4years old. The problem I have is when you send in a claim lately it takes over 30 days to process my claim. I sent in a claim for nexguard and heart guard in the beginning of February and have still haven’t heard if I will get any money back. This company isn’t as good as it use to be and I am not satisfied as a customer. This is ridiculous it takes this long to here about your claim. Unhappy Stacy Rose
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5

out of 5

POSTED: | BY: Judith Calderon

Priceless

My cat is about 17 years old (a rescue, so not sure) and we have had Pets Best for about 14 years. They have seen us through UTI’s, an abscessed paw, diabetes, pancreatitis, seizures and many other ailments - and they have been a lifesaver! I wouldn’t have been able to afford to keep my sweet baby alive and happy for this long without their help. Claims are paid quickly and I have never had a dispute with their resolution. Best decision any pet owner can do is to insure their pet with Pets Best.
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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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