Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,152

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: Jesse Patton

Truly appreciate the effort that went…

Truly appreciate the effort that went into processing and covering this claim.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Morgan

So happy!

So happy! They were so good at communicating and letting you know what was going on in a timely manner. Very happy with this company.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Camila

I’ve had PetsBest for 2 years now and…

I’ve had PetsBest for 2 years now and has to use it for the first time a couple of months ago. My fur ball had to have emergency surgery in December and had a few complications. I filed my claim online and voila one month later the claim has been processed and payment is on the way. It was simple and there were no complicated forms to submit. Couldn’t be happier!
Read more on Trustpilot
3

out of 5

POSTED: | BY: богдан скрипка

Bad first impression

I bought this insurance for my cats. Unfortunately,one of them needed emergency help. No one answered after one month. If I hadn't asked about the status, I wouldn't know that I had to inquire additional documents from the clinic in another country where I usually brought my cats for a check-up. We will see in future what decision the insurance company will make. Reading the reviews and looking at my experience with this insurance company, I understand that it provides very poor service. They take money easily but don't want to do their job properly. UPD: After 40+ days, my application was reviewed, so I take my words back. Insurance company works honestly, but very slowly
Read more on Trustpilot
3

out of 5

POSTED: | BY: Christine

Claims Processing Issues as of Nov 2019

I've been Pets Best for over 10 years and up until recently have always been pretty happy. I did see significant hikes with the premium for my dog once he hit senior status (he's 12 now) but we've also had a fair amount of claims in conjunction with that, so I figured it is what it is. In the past claims were always processed very quickly, I think the longest it ever took was 2 weeks. Well that changed drastically in Nov 2019, when I submitted a claim that took 34 days to process. Today is Jan. 9 and the claim I submitted on Dec. 10 still hasn't been processed and with new claims now saying they'll take 25-35 days who knows when I'm ever going to see that reimbursement. When I am paying over $200/month for my dogs insurance (and that's with a $300/incident deductible) I expect better than this.
Read more on Trustpilot
Please leave a review

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.
Provider website

Get a quote today

Leave a review