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.
3

out of 5

POSTED: | BY: Christian Grimes

You'll get your money, eventually

I was reimbursed for the full amount I was expecting, but I don't understand what took so long to get my check. I visited the vet on October 2nd and submitted my claim the same day but I wasn't reimbursed for the visit until eleven days later. Just not sure why it takes such a long time to reimburse a small amount of money since there are other pet insurance companies that reimburse same day and even Progressive, who I got Pets Best through, is able to write a multi thousand dollar check in a couple days.
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5

out of 5

POSTED: | BY: Patricia Southers

Highly Recommend

I have used Pets Best Insurance numerous times and everytime they have payed good on my claims and have payed within a reasonable time frame. I am very happy to have this insurance when I need it.
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5

out of 5

POSTED: | BY: Addie Mason

As a new pet owner and new customer to…

As a new pet owner and new customer to pets best, I was really starting to feel concerned about having difficulties getting in touch with an agent, and getting a response on our claims. There was an issue with a previous vet and their misclassification of our dog, which caused a series of issues for us personally. Because of that, I believe our claims were in limbo for far longer than they should have been. We switched providers, updated the info with pets best as requested and once the issues we we’re having were shared with upper management, we received a phone call follow up and everything was taken care of. I was so afraid that we were being scammed and had found a replacement insurance company. I’m really glad that this company cared enough to follow up. And that everything was rectified. Now that we’ve gotten over that hump, the claims have completed, the reimbursements were issued and i feel very confident we chose the right insurance company for our pet.
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1

out of 5

POSTED: | BY: Endicott Family

Totally not worth the money

Totally not worth the money. They keep raising rates to unprecedented levels every year and its outrageous. I am not happy with the reimbursement, but mostly with the fact that they raise the rates so much over the years. My rates have gone up 75% in 4 years. That’s highway robbery!! I do not recommend them at all!!
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3

out of 5

POSTED: | BY: Taryn Goldsmith

I do like the company

I do like the company, but I feel the turn around time for the reimbursement is very long. I was with another company and they would reimburse within 7 days. It isn't always easy to come up with the funds which is why we have Pet insurance and it took over 30 days to get reimbursed. That is unacceptable.
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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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