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: Daniel Caruso

They are an affordable way to protect…

They are an affordable way to protect your pets and seem to truly care about them.
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5

out of 5

POSTED: | BY: Patricia A

Fast to process claims

My dog Gracie has allergies that last all year which results in daily medication for her. Pets Best is fast to process my claim and reimburse a majority of my payment. Highly recommend Pets Best!
5

out of 5

POSTED: | BY: Vicente D

Happy with Pets Best

I am very happy with Pets Best and the claim process and decision making. However, I would like to receive an email once the claim is processed.
5

out of 5

POSTED: | BY: Loree W

Super simple

First time using and was super simple and communication was awesome. Have recommended others
3

out of 5

POSTED: | BY: Holly Hayataka

Speaking in circles

My experience with Pets Best had up to now, always been excellent. Therefore, I expected the same when I filed my latest claim this month. I was still OK when about 5 days later I received an email stating that there was a delay in getting to my claim and that Pets Best strives to have claims resolved within 5 days but there was a higher than average volume of claims which was slowing things down. So now that it has been 2 more weeks from that email, I called Pets Best to see what was going on. The representative who took my call stated that my claim was undergoing a review process and the time frame is 30-40 days!! OK, this is news to me. I did not get a satisfactory answer upon further questioning. I received responses such as: "...maybe for cancer conditions there are a finite number of reviewers and this might be what the hold up is...", and "...all I can say is there is a 30-40 day pre-processing time which means you may not hear anything until Sept 11th to Sept 21st". When I asked how long it would be AFTER the "pre" review/processing before I would know about my claim being resolved, I was told between Sept 11th and Sept 21. That doesn't make sense because that is supposed to be the PRE-review/processing time, so how could the real review/processing time be completed at the same time as the PRE-review/processing time? My opinion of Pets Best has gone down more than a few notches.
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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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