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: Lynne

Very good pet insurance at a reasonable…

Very good pet insurance at a reasonable price. Quick processing of claims and East to use website
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2

out of 5

POSTED: | BY: Suzanne Nardella

It took them over 60 days to process a…

It took them over 60 days to process a claim and I still do not have my reimbursement yet
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4

out of 5

POSTED: | BY: Natalie

Slow claims processing but fair outcome

I’ve been covered for almost a year and a half by Pets Best when the moment of truth arrived - my first claim. It was under my deductible so I wasn’t expecting reimbursement, just credit towards the deductible. When I first submitted my claim, the auto response told me two weeks. Two weeks later, I was told they were taking 25-30 business days to process claims. Just over 30 calendar days after I filed the claim, I got my EOB and they had covered all except a maintenance procedure that I had done while she was in - a perfectly fair outcome. However, that same day I received the EOB, the infection that triggered the first visit came back. I’ve now filed a second claim and will shortly be filing a third, or the surgery that will treat the underlying condition. Hoping that they continue to be fair in their coverage but it would also be nice if the process could be sped up a bit.....
5

out of 5

POSTED: | BY: Phillip Mazzucco

Go with this company you won’t regret it

I adopted an older cat, he checked out fine. 3 months later he got cancer. Pets best paid for the surgery that saved his life. The customer service is friendly and helpful. This company does not give you the usual insurance company run around. If you’re thinking about it , don’t wait. Sign up with them now. You won’t find a better pet insurance company!
1

out of 5

POSTED: | BY: Mildred Ladaga

Very slow in reimbursement

Very slow in reimbursement. It took more than a month to respond on claim. I still haven't received the money until now even if I indicated to do direct deposit on the reimbursement. Will not recommend this company. Very terrible service.
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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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