Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,152

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: Barbara S

Excellent & Fast Response

Pets Best worked extremely well with a quick and positive response to my submissions. It took 2 weeks from submission to reimbursement, which is extraordinary. I am very pleased with this pet medical insurance and will tell all my friends and family about it.
5

out of 5

POSTED: | BY: Aloma D

No Beef About It

Really, no beef: this is the story of a hambone, and my 10lb Pomeranian mix. They do not mix. My little guy got a hold of a hambone one evening and pretty promptly ended up sick. He had bad diarrhea and vomiting well into the night. It was horrifying to witness my very well behaved and housebroken dog as he agonized over messing in the house. The next morning he was still off, and as I watched him continue to get more lethargic and repeatedly vomit and regurgitate I made the decision to run him to the ER vet (it was Sunday evening). They got him back on the mend but after running x-rays and a battery of other tests, the bill quickly piled up to nearly $500. I immediately checked our Pet's Best policy to see if this hambone debacle would be covered. It was very easy to locate the claims section on the website. After gathering a few documents, I had everything posted, scanned and submitted within 15 minutes. And then I just had to wait about 2wks for the claim to come back - and it was approved. The statement clearly showed what the breakdown on the reimbursement was and the money was posted to my bank account within days! I am SO incredibly thankful for our pet insurance, it was a lifesaver. I would do anything I could to keep my pets healthy and happy but it's good to know that it doesn't have to put me in the poor house. Thank you Pet's Best!
5

out of 5

POSTED: | BY: Gina J

Easy to file

It was very easy to file my claim. Response time was great and the explanation of benefits paid was simple and straightforward. I received a check quickly after filing. A great experience! I wish health care for people was this easy! :)
5

out of 5

POSTED: | BY: Maxx R

I can always count on pets best

No matter the issue, I can always count on my pet insurance to be there for me and my dogs!
5

out of 5

POSTED: | BY: Jolene S

Claim delay

I turned in the claim and the waiver for them to pay the vet directly. I submitted it and after a couple weeks I called because I hadn't heard anything and they said that they needed notes from the doctor but after 14 days they still hadn't even requested the information needed from the vet. So 14 days went by with nothing. Then I said I would go to the vet and get the information. I did and I emailed it to them. And they still kept contacting the vet for more information. I explain the situation with the eyedrops but the process took forever. I swear it probably took a month and a half. It was absolutely ridiculous. All the other claims have gone very smoothly and they've been paid in a timely manner but this one was an outrageously long process. The lack of asking about for two weeks for the information was the most disturbing part of this process. I still love Pets Best. It's just this situation that fell through the cracks and was very unpleasant.

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 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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