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.
4

out of 5

POSTED: | BY: Joe

A little slow in handling of claim

A little slow in processing claim But very easy to submit claim and reimbursement was per policy and very fair.
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5

out of 5

POSTED: | BY: Misha’s Mom

Awesome company

Awesome company! Very professional, quick, simple filing, and return!
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5

out of 5

POSTED: | BY: Janet McMichael McHugh

My first claim has been processed

My first claim has been processed. It took a hot longer than I thought, but when I called them, they explained they just had to verify all my pets medical history. I'm hoping they continue to be responsive. Thank you
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2

out of 5

POSTED: | BY: Denitra Evans

Pets Best Pet Health Insurance is…

Pets Best Pet Health Insurance is usually good at paying out claims; however this time I filed a claim on September 14, 2020, and didn't receive payout until almost a month later on October 13, 2020. It shouldn't take at the most two weeks to receive your claim payout.
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1

out of 5

POSTED: | BY: Kasey Powers

If I could give Pets Best no stars

If I could give Pets Best no stars, I would. Basically they make you jump through hoops to get your money back and conveniently, they can never put you in direct contact with a Supervisor or the Claims Department to move your claim forward. They find any and all reasons to deny the simplest of claims and repeatedly tell you its due to a lack of records from your vet (which you submit multiple times). Many friends and I chose Pets Best simultaneously to protect our pets, and I most definitely will be cancelling my policy and urging them to do the same. Not worth the headache and you pay on time monthly to them but they never do the same for you when it matters.
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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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