Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,154

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.
2

out of 5

POSTED: | BY: Kathleen Donkin

Really good first 4 years and then --

I've recommended PetsBest to many people. The claims process is easy, and I've always been paid. My little dog has conditions which require medications for life. The premiums had modest increases over the first four years. But I've just been hit with an increase of the current monthly premium by $30! More than a 50% increase. I haven't moved, my payments are automatic, etc. No explanation offered. I'm a senior on a fixed, modest income and this hike is very hard to absorb. I feel like I've been mugged. Now they're just like every other insurance company. Perhaps they're aiming to get rid of me and my dog.
1

out of 5

POSTED: | BY: Margaret Tracy

Everything went wrong that could go…

Everything went wrong that could go wrong. This is your typical insurance company screwing you over. Processing the claim takes an extraordinary amount of time; the reimbursement takes forever; the items covered is sinister at least, and you're lucky if you get what they actually claim you will get, because they find reasons to deduct multiple items that you didn't know were not covered. I don't recommend them
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3

out of 5

POSTED: | BY: Raymond Budd

Pets Best: Great Service, But Wellness Plan Value Decreasing

I've had a generally positive experience with Pets Best, particularly with their excellent customer service and the timely processing of claims. This is truly commendable. My main concern, however, is the consistent and substantial rise in premiums, especially for the wellness plan. Unfortunately, these increases haven't come with any enhancements to the wellness benefits, making the value for money diminish over time.
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5

out of 5

POSTED: | BY: Katherine Balogh

Easy to make a claim

Easy to make a claim! Quick turnaround!
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5

out of 5

VETERINARIAN: Veterinary Cancer Group OC, A Thrive Pet Healthcare Partner

POSTED: | BY: Leslie Alcala

The Gift of More Time

"In late 2021 our little boy Wicket was diagnosed with lymphoma, and while our entire family was devastated we had peace of mind knowing that Pets Best had our backs. Having good medical insurance made all the difference in the world, and with the help of his amazing veterinary oncology team Veterinary Cancer Group of Orange County our little boy was able to beat stage 4 lymphoma and remain in remission for almost 3 years. When receiving devastating news about our fur babies health, the last thing that should be a factor in making medical decisions is cost or affordability, but sadly that is not always the case. We feel so blessed that Wicket was covered by Pets Best allowing us to make medical decisions based on his best interest without having to worry about anything else. Sadly, our little boy has since crossed the rainbow bridge, but the gift of the extra time we spent with him is something we'll be infinitely grateful for the rest of our lives.
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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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