Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,145

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: MedVet Cleveland

POSTED: | BY: Amy Drlik

Brody’s Battle

I had to rush my dog to the ER because he stopped eating and drinking. After hours of testing they found a blockage, after operating the surgeon discovered it was a tumor. It came back as Jejunum Adenocarcinoma, they got it out with clean margins and it didn’t metastasize. We started chemo recently and then started submitting all our bills. We were so overwhelmed with every thing but after getting confirmation that our claims would be covered I had a huge weight lifted off my shoulders. They gave us the most precious gift anyone can give us and that is TIME with our dog and HOPE that we can fight this and enjoy our boy for years to come. It has been a wonderful experience working with Pets Best!
5

out of 5

POSTED: | BY: Tonya Naish

I am so thankful to Pets Best pet…

I am so thankful to Pets Best pet insurance! We have had a few emergencies with our pet babies and didn’t have to think twice or worry about the cost of the emergent care!! We almost lost our new puppy when she got into a poisonous plant and the cost of the emergency veterinary didn’t have to be a factor in our decision making! The piece of mind is well worth it!!!
2

out of 5

POSTED: | BY: Jimmie Bradshaw

insurance is needed for those times…

insurance is needed for those times when there is really an issue with our pets, however Pets Best is SLOW to respond when they will pay for insured coverage and very FAST when when they don't have to pay. I sent in several claims same day; on those claims they did not pay, they responded within 3 days stating the coverage will be applied to deductible; however one claim that would be covered by insurance, I have not heard from them to date, other than they received the claim.
5

out of 5

POSTED: | BY: Cynthia Morgan

Excellent Super Fast Claims Paid in…

Excellent Super Fast Claims Paid in Timely Matter!!
1

out of 5

POSTED: | BY: Josh Traut

Claimed they couldn't get medical…

Claimed they couldn't get medical records but vet had no record of them contacting. Been a member for almost a year, filed my first claim and within 3 weeks got notice that my premiums were going up 30%. Wtf.

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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