Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 14,125

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: Eileen B

First claim

I was very happy with how easy it was to submit my claim with Pets Best. I just took a picture of the vet bill and uploaded it to the app and submitted it. Less than a week later there was a direct deposit to my checking account. Very easy.
5

out of 5

POSTED: | BY: Kaeleigh S

Long processing times

The only thing that caused it to not be a "5" was just how long it took to reach any kind of decision and process. It seemed to take an unreasonable amount of time, and although an email was sent apologizing for the delay, it still took a good amount of time after that email for it to finalize. This was a basic accident claim.
5

out of 5

POSTED: | BY: Kathy M

So helpful when I have a sick dog!

Early Sunday morning my oldes newf started exhibiting signs of a UTI. It rapidly got worse and I took her to the vet ER. Test, fluids, meds and we were sent home only to have her start vomiting and would not eat or drink. 4 hours later back to the ER and she was in ICU for 2 days. She is doing very well now and thanks to Pets Best, I knew they were there to lessen the stress of the vet bill. They have always been prompt and helpful! I am so happy to have them!
5

out of 5

POSTED: | BY: Amy P

Long claim turnaround

Overall, the experience went well and I was granted the amount that I had put in for. I thought that the length of time it took to process the claim was a bit long. I thought I had read a review about this insurance company that said the wait time was two days and it took a full week for the claim to be processed.
5

out of 5

POSTED: | BY: Charlotte E

Pleased

I had a cat (actually part of my family) that had cancer. Never thought of anything but to do what ever was needed to help him live as long as he could comfortably. I've had good response to my claims and have been pleased with dealing with Pets Best.
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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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