Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 15,698

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

VETERINARIAN: Rogers Pet Clinic

POSTED: | BY: Amanda

Peace of mind

"Getting a puppy is exciting, but the worry about costs and unexpected events is not. I'm happy to say that my first puppy visit to the vet was a lot less stressful knowing that I had Pets Best insurance. The claims process was so easy, and the reimbursement timing was quick. Having Pets Best for my little guy is a win. "
5

out of 5

VETERINARIAN: Evans Animal Hospital

POSTED: | BY: LeAnne

So easy!

It was my first time filing a claim and I could not believe how easy it was! I just took a pic of the invoice and that was that. I received payment within a week. Fantastic!"
5

out of 5

VETERINARIAN: PetSmart Veterinary Services - Commack

POSTED: | BY: Maryellen

Timely payment

Been with pets best for 6 years and never once had an issue with getting reimbursed in a timely manner
1

out of 5

VETERINARIAN: Village Animal Hospital

POSTED: | BY: Jill

Really poor provider!

Pets Best insurance gives the impression on its website that filing claims is quick and easy, but that is certainly not the case. I selected their premium package for my five year-old female Shih Tzu, because I believed it would cover most any type of wellness or surgical care required without any exemptions for pre-existing conditions. In reality that is far from the truth. First of all, when I submitted my claim, it indicated that all I needed to send was the paid invoice from the vet. It made no mention of any information or documentation requirement from the vet. However, my claim was initially denied because I did not provide information about the procedures performed. When I went back to my vet for this information, they were unable to provide it in an acceptable form for. Pets Best, which requires everything in PDF format. My request was delayed considerably while the provider contacted my vet by phone to get this information. PB also required separate submissions for every service, even if it was provided on the same day. In the end, even after the deductible, my reimbursement was far less than I expected. Even after the claim was finally approved I had to wait more than a week for the payment to appear in my checking account.. I will be looking for a different insurance provider for my dog.
5

out of 5

VETERINARIAN: Washington Animal Clinic

POSTED: | BY: Annabella

Excellent Insurance

My dog was diagnosed with Diabetes a year ago. I am so fortunate to have this insurance.. My monthly payment is worth-it considering how expensive are the Vet charges for this desease . My claims are processed timely and if they have a question they call my vet without bothering me(nice). Claims are so easy to submit. Needles to say I am very happy with this insurance and their customer service. I highly recommend it.

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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