Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,149

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: Deborah S

SO IMPRESSED

This is the first time I've purchased pet insurance and I'm SO IMPRESSED with Pets Best. Thank you for your easy claims process and your constant communication. I had two claims for wellness visits for our newly rescued pups. Thank you so much for your services! Sincerely, Deborah Smith
5

out of 5

POSTED: | BY: Janis D

Quick

Frida had an intermittent limp so I had her examined and x-rayed by my regular vet and, when she couldn't determine the cause, by an orthopedic specialist to whom I was referred. He couldn't elicit any pain response or detect any obvious abnormality at the time, so a watch-and-wait approach was advised. Pets Best was quick to apply the relevant charges to my policy deductible as soon as I emailed them scanned copies of the invoices.
5

out of 5

POSTED: | BY: Sunil P

One of the best decisions

My dog has cancer and having pets best was the one of the best decision I took
1

out of 5

POSTED: | BY: Laura Bishop

Not Covering New Illnesses

My french bulldog Charlie throughout all 4 years of his little life has had numerous illnesses. This past January 2019 he was diagnosed with a UTI (very rare for male dogs but that’s our luck) so after receiving treatment I decided to obtain pet insurance. This past February 209 I joined Pets Best insurance, their rates were the most reasonable and the deductible wasn’t absolutely outrageous. A few weeks later after obtaining the insurance Charlie was diagnosed with another UTI. I submitted multiple claims as we’ve had multiple revisits for check ups, urine testing, ultrasound, the works. I received notification that NONE of the services would be covered and NONE would go towards my deductible for my plan because it’s all being considered a “pre-existing” condition. I treated his UTI in January based off the antibiotics prescribed by my vet and his symptoms were completely gone when I joined the company’s policy. The policy didn’t go into effect for 7 days after obtaining and we were WELL beyond the 7 days. So for all you pet parents out there thinking about getting insurance; DO NOT go with Pets Best. I feel trapped now because anything we are currently doing for him won’t be covered by another company.
5

out of 5

POSTED: | BY: Frank C

Love the service!

I had another company who made it very hard to get answers on submitted claims. You guys send me an explanation of benefits within a day or 2. Love the service!

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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