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: Marissa Oberling

Amazing so far!!

This is my first time using any pet insurance and we are very happy. The turn around time ended up being quicker then what was originally stated, which is always a plus. We got two kittens in December & have had nothing but problems since. Pets best has been phenomenal so far.
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5

out of 5

POSTED: | BY: Judy White

Break even

Rocky is a rescue with behavioral issues which impact on the veterinary care he receives. Since Rocky is only 5 years old he is relatively healthy. We nearly break even now and feel confident that as he ages we will continue to provide quality veterinary care.
1

out of 5

POSTED: | BY: Cindy Levin

Poor Experience

My first and now only claim was a disaster. It took almost 2 months for them to process my claim and it was denied. I was told I could appeal but it would be another 2 months. We think my dog has allergies but he has never been tested and he gets shots. He contracted a skin infection that required medication so they automatically attached the condition to allergies. That means in the future they will blame any skin problem on allergies. They should have been honest with that up front but all they want to do is pressure you to buy the policy. I have now canceled my policy and will deal with an honest company. This was a first time in 30 years have having dogs that I got Pet insurance because I thought it would be a rip off and unfortunately it is.
1

out of 5

POSTED: | BY: G Mo

Their claim to fast reimbursement is a LIE

I submitted a claim on Jan 11th. Had to submit clearer photos and receipt again on the 13th (after I called to confirm status, NO ONE reached out saying I needed anything). Called again on Jan 20th - was given some BS about "Oh we need questions answered about the vet". It's been a week and no one reached out that you needed MORE information? I get a random email on the 24th stating the generic "We are experiencing longer times for claim processing". How much freaking time do you need? You sure aren't delayed in taking your payment every month. I call again today Jan 31st for a status up. They say now the processing times is 30-40 days out. Good grief! A V O I D if you need your money like I do. I'm cancelling my account the moment my claim is finished processing.
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5

out of 5

POSTED: | BY: Meagan Gregory

1st claim filed

It took longer to get my claim reimbursement than was originally promised, but they kept communication open about an increased number of claims at the time, and how they were not able to process claims as quickly as normal. I really appreciate that.. most companies would make you contact them first to get an explanation. This was my first claim, and I loved the explanation of reimbursement and how clearly it was broken down.
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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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