Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,162

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: Marina Wehner

Pretty good coverage

Pretty good coverage. However, slow processing time and be careful with "pre-existing" conditions and not covering certain items on an invoice.
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5

out of 5

POSTED: | BY: Kristi Pritchett

Great insurance company

Great insurance company. Kept me updated throughout my claims process and reached out to my vet directly instead of asking me to do it. Highly recommend!
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5

out of 5

POSTED: | BY: Betty Wood

While I was taking the survey I hit the wrong key & couldn’t correct it. Sorry

Love Pets Best Inc. don’t know what I would do without it.
5

out of 5

POSTED: | BY: Amy

I am so grateful for Pets Best

I rescued a dog from the local shelter in October 2019 and immediately signed her up for pet insurance. In November 2019, while out of town for Thanksgiving, she got very sick and was rushed to an out of town vet. Pets Best reimbursed the claim within 45 days. On December 27, 2019, she developed bacterial pneumonia and was rushed to the ER and then to a regional specialist hospital. The bills reached over $6,000 in less than 48 hours. My sweet girl was euthanized within 2 months of rescuing her and I called Pets Best to let them know. I submitted a claim having no hopes they'd reimburse after only paying on the policy for 2 months. Today I received an email letting me know than 90% of Charlie's medical bills will be reimbursed. Several people have mentioned in their reviews the length of time it took to be reimbursed. I figured out early on that if I submitted the medical records along with the invoice it cut the time in half. I have a new rescue dog and immediately signed him up with Pets Best. I could not be happier with this company or the customer service I received when speaking to them on the phone.
4

out of 5

POSTED: | BY: Janice

I just filed my first claim & it was…

I just filed my first claim & it was paid very promptly. I would have given a five star, but since it's my first interaction, I thought I'd wait to see how everything goes in the future.
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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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