Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,586

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.
1

out of 5

POSTED: | BY: Patricia Lachance

You have the nerve to ask my opinion of…

You have the nerve to ask my opinion of Pets Best after the way they have NOT paid our legitimate bills submitted?!! This company sucks!! I have submitted dental claims twice to no avail! This time the are going to pay $150 of a $1500. bill!! That is rediculous! I will not continue to pay a 3 month fee of > $266. for what I have received in return! You people are nuts! I will also report this company!
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5

out of 5

VETERINARIAN: Care Center Cincinnati

POSTED: | BY: Lisa

Mini dachshund loves Pets Best.

"I have a mini dachshund that encountered sudden rear leg mobility issues. Since they are prone to back issues, it was most likely IVDD or an FCE. Sent to neurologist, er, and ended up just needing months of meds, crate rest, and accupuncture. Pets best took over a month to process the initial claim, which was understandable that it was the first claim I filed with them and they probably needed to ensure the my dog had not had any prior issues. They sent emails to let me know they needed more information on my claim. After the initial claim processed, the continued care claims were processed within a week. Very happy with this insurance and the claims process. Payment was prompt, receipt broke down the payment in easily understandable language. If you have a dachshund, insurance is a must, along with the acupuncture plan. "
2

out of 5

POSTED: | BY: Jay F

Better off self-insuring

Slow, covered half of procedure. Better off self-insuring given premiums to benefit.
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5

out of 5

VETERINARIAN: Csu oncology team

POSTED: | BY: Jasmine

Thyroid carcinoma

Our girl, Phoebe has a thyroid carcinoma that we were able to get treatment for because we had pets best insurance. We are so happy that there are companies like pets best to help people in their pets time of need. Now we get to spend more time with our Phoebe!
1

out of 5

POSTED: | BY: Caitlin

Terrible and Horrible do not even cover it

We paid $60 a month for what turned out to be completely worthless insurance. When we rescued our dog—literally off the street after someone abandoned her—we did it out of compassion and the hope that we could give her a better life. We signed her up for Pets Best thinking we’d have some support for her medical care, but when it came time to file claims related to her heartworms, they denied everything. Their reason? They claimed it was a pre-existing condition and that we were somehow aware of it before we got her insured. That is blatantly untrue. We rescued her, with no medical history, no background—just a dog in desperate need of help. Pets Best showed no compassion, no common sense, and no intention of doing what insurance is supposed to do: help people care for their pets. This company is more interested in taking your money than actually providing support when it matters. Don't waste your time, and definitely don't waste your money. If you're trying to help a rescue animal like we were, look elsewhere—this company will leave you hanging.
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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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