Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,732

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.
1

out of 5

POSTED: | BY: John Henry

Worst insurance ever

I honest believe all these reviews were written by fake reviewers they paid. I got pets best when I got my kitten in July. I called and they told me the insurance is active and I can start going to vets. I took him in for vaccines. It ended up being not covered because I gotta wait 7 days before I can visit vets. Then the month after I took him in for another vaccine because he's only 6 weeks old he had 3 vaccines planed. Nothing was covered again except for $20 out of my $300 bill. And then they said my vaccine claimable amount has reached its limit even tho the plan I bought for $40 a month is supposed to not have a limit. Oh also, $40 a month they don't cover accidents or illness, or examination fees, or pretty much anything. It's literally more expensive than any of the top 10 pet insurance you can find on review sites. I only got them because I thought Progressive was a large reputable company so maybe their pet insurance is good. NOPE! They cover nothing, and when I asks for refund they said they can give me a pro-rated refund, meaning they'll refund me the money they haven't charged me yet for the month after if I had cancel before my next payment. What a huge scam!!! DO NOT GET THEIR INSURANCE!!!!
4

out of 5

POSTED: | BY: amy riegel

Overall very happy

Overall very happy. Reimbursement was a little slow in my opinion.
1

out of 5

POSTED: | BY: Sarah

Gave me only 2 days to contact vet for records

My dog died at 7 months. We had a few claims from his care prior to his passing. I submitted them, and almost two months later I was emailed that the needed to me to contact our vet for records. I work full time, and have been emotionally distressed over the passing of my puppy so calling the vet would be emotional. Before I was able to call, I received emails that my claims were denied. It was TWO days later. After taking two months they gave me two days to call the vet before denying my claims.
5

out of 5

POSTED: | BY: Jayne Hitchcock

Well worth every month's payment

Well worth every month's payment - you are really the best for pets!
2

out of 5

POSTED: | BY: Krystin Brehm

Claims Taking Far Too Long

The delay in processing claims has continued to worsen over the past year or so. It is getting to the point that I’m not recouping the funds from my claims in a timely enough manner to justify continuing with the insurer. I already have to pay up front and await reimbursement, and to have to wait so long for it just adds insult to injury. Especially when I’m not asked to provide further documentation! I submit the invoice and receipt, and it apparently takes 5-6 weeks to get around to it.

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 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.

Get a quote today

Leave a review