Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,732

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.
4

out of 5

POSTED: | BY: Janetski

Affordable and fair

Seems a good balance between affordable premiums and at least getting some help with vet bills. Reimbursement times are a little slow, but if willing to wait, the reimbursement process is very easy with direct deposit and an explanatory email. Submitting claims is very easy as well.
Read more on Trustpilot
1

out of 5

POSTED: | BY: Brian

Rejected first claim due to pre-existing SYMPTOM (dog threw up once) - Zero customer service available

This company gladly took my monthly fees however the very first claim they rejected due to seeing a previous vet visit where my dog threw up. They called it a pre-existing SYMPTOM which isn't described in their policy at all, in fact the vet visits revealed my dog was healthy before I started with this company. Cancelling service is a huge hassle, you can't do it online. I emailed 5-6 times, logged the request through the website and still no response however when the time came they certainly charged me again. Currently on a 45 min hold hoping someone actually works at this company. Apparently they have not figured out how to work from home and use the current COVID situation as an excuse to reduce their staff.
5

out of 5

POSTED: | BY: Paula Bryant

My cat’s claim was handled quickly and…

My cat’s claim was handled quickly and they covered almost everything! Getting this insurance has helped me more than I thought it would.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Debra

One of the best claims experiences ever!

One of the best claims experiences ever!
Read more on Trustpilot
1

out of 5

POSTED: | BY: Shannon

Bummed out - It's like they look for any reason to deny my claim!

I purchased the PetsBest policy for my puppy due to the great reviews, but so far I've only had a hassle. My first claim was denied because they didn't even take time to look through the receipt and see that it wasn't just for wellness but also a urinalysis. Once I pointed this out and they reviewed it again, they denied because they said my puppy had symptoms before my policy was in place (14 days after purchasing the policy). This of course is ridiculous. My puppy didn't have symptoms for over a month! No where does it say on the receipt that my puppy had symptoms that long. So I can only conclude that they are making up these things hoping customers will just give up instead of fight for their claims. So frustrating and unnecessary.
Please leave a review

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.
Provider website

Get a quote today

Leave a review