Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 14,121

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: Francisco A

Very Helpful with all my Fur babies

I have had several policies with Pets Best and they are always very helpful, especially when switching policies or having to cancel one when my sweet kitty died. Alex was very sweet on the phone the few times I spoke with her and I recommend Pets Best to all my friends.
5

out of 5

POSTED: | BY: Paul M

Well-communicated

Though my claim was quite small, Pets Best treated it as if it were just as important as a much larger, more complex claims. The only small issue I have was that the response seemed to take a bit too much time, though I did appreciate the email sent to tell me that they were working on it.
3

out of 5

POSTED: | BY: Hunter D

Estimates

I was fortunate enough to see to specialist on a condition for my pet and was able to take those diagnosis and estimates to Pets Best for consideration if it would be covered or not.
4

out of 5

POSTED: | BY: Gail G

Acceptable

Long wait to process.
5

out of 5

POSTED: | BY: Alyssa D

Wellness Worth It

I got a full plan, including wellness on my puppy. It was very worth it because there is a lot of wellness cost upfront for young animals. Many trips for checkups and booster vaccines and stool sample tests, etc. Having the wellness plan at a time like this really made it worth it and helped keep those costs under control. It's also nice that there is no deductible for wellness and pays 100% up to the yearly limits. I do wish those limits were a little higher without having to go up to the next tier, the $26/mo. option isn't feasible when you run the numbers. I also like the peace of mind that, with having the illness and accident insurance, too, seeing how smoothly the processing went for my wellness claim, I can expect the same level of service should I need to file an accident or illness claim.
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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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