Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 14,113

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: Atrium Animal Hospital

POSTED: | BY: Kerrie Lorenzo

Insurance that is worth my time

It's easy to process my claims. I should do it sooner, but I tend to wait until the end of the year. Partly, because I get busy and forget to send in my claims. It's nice that vaccines and annual physicals for our dog are covered. It makes the annual fee well worth it.
1

out of 5

POSTED: | BY: Fatima Aliamer

Terrible

👎
4

out of 5

VETERINARIAN: Whole Pet Veterinary Clinic

POSTED: | BY: Lauren Rosen Yeazel

foreign object ingestion

Pets Best did cover the necessary diagnosis and procedure in full as per our policy. They did take a full month to reimburse us however which was a long time to wait.
5

out of 5

POSTED: | BY: Brian Chlebowski

Straightforward Claim Process—Exactly as Expected

Submitting a claim with Pets Best was simple and straightforward. The only hiccup was logging in through the app - email validation didn’t always work, so I had to switch to Safari on my phone. Once I was in, the claim submission process was extremely easy. Processing took a little longer than I would’ve preferred, but based on the reviews I’d read beforehand, the timeline was exactly what I expected. Communication from Pets Best was clear throughout, and I always knew where my claim stood.
2

out of 5

POSTED: | BY: Paula Figueroa

Did not cover my dog's rabies vaccine

I purchased Pets Best with the hope that I will get some reimbursement for my dog's maintenance and wellness routine. Turns out that there is a "cap" on how much they cover, and for the last rabies vaccine (yearly wellness vaccine), they did not cover anything. I had to pay full price on wellness. If I'm going to pay full time every time I take my dog to the vet for a check up, AND pay the insurance, I might as well not pay any insurance at all and put the money in a savings account. Think twice before you purchase these kind of scams.
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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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