Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,884

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

VETERINARIAN: DiLella Veterinary Services

POSTED: | BY: Jonathon

Hamlet

Unfortunately, with Hamlet, our worst nightmare came true. He was having trouble walking and we weren't able to intervene any other way except for surgery. He had neck surgery and unfortunately experienced a lot of complications afterwards and eventually had to be put to sleep three weeks after his surgery. It was the hardest three weeks of our life as he remained at an emergency vet facility the entire time, unable to breathe well. He was on a ventilator, off of ventilator and back on. It was a very sad time for our entire family but Pets Best came through for us when it mattered. The last thing we wanted to do was to have to put our dog to sleep because of financial reasons. While it can be tough to come up with the money upfront to pay for Veterinary Care we knew in the back of our minds Petsbest would eventually come through. I have to admit we were a little worried and we didn't want Pets Best to feel like we were taking advantage of a situation, but we just couldn't bear to say goodbye as there was hope of recovery. We do want to thank Pets Best from the bottom of our hearts for everything.
4

out of 5

POSTED: | BY: Barbara

Not happy

I sent the bills in that listed what was wrong with her. They kept asking for the Vet to forward her medical records .When they did they went by her check up report was her shots not her report that I sent about what she was been treated for, which was an ear infection. That she still has some bacteria that I am still treating her for. So if I paying for Ins. And not getting refunding then I don’t need to pay for her. I will be cancelling my policy.
5

out of 5

POSTED: | BY: Denise

Easy Claim Process

"I have coverage that includes paying for a percentage of Dexter's medicine. Getting reimbursed for my claim was easy to do. I just had to give Pets Best a copy of my bill. Scanning it to my computer and then send an attached copy and email it. Pets Best makes it so easy to. Thanks, Pets Best Insurance"
2

out of 5

POSTED: | BY: Michael Ibarra

Virtually all of my claims denied to to…

Virtually all of my claims denied to to assumption of pre-existing condition. I will appeal based on the actual facts and will see if Pets Best honors the claims. Claims that were paid were deposited into the wrong bank account even though the correct information appears in my on-line account.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Jen

It really is the best!

Our dog had been sick for days vomiting and refusing food, and because his X-rays showed gas buildup, our veterinarian decided on the fourth day to take him into emergency surgery to explore if there was a non metal obstruction in his intestines. Lo and behold, he had swallowed rubber from who knows where and it had completely blocked his small intestine! Because of the hospitalization, medications, and surgery, my husband and I had enormous bills which we had to split between credit cards. We'll do anything for our sweet pup, but it was a huge financial burden. We are so grateful to have Pets Best insurance!!! Within a few days, we heard from them that we'd met our deductible and received a line by line statement showing the majority of costs had been covered after the co-pay. I will never stop recommending pet insurance, specifically Pets Best, to my friends and coworkers with dogs and cats. This company has given us the ability to treat our pet without hesitation during medical emergencies like this one. It's worth it 100%.
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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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