Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 15,140

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.
1

out of 5

POSTED: | BY: Julie Peddy

Corporate Greed

I would like to show you corporate greed at its finest. Doodle has had pet insurance through Pets Best since he was a puppy. He has never had an injury or an illness that required payment of a claim. Doodle turned 9 years old on September 1st. Last month's premium was $39.11. I received a nice little letter from Pets Best Insurance that stated because that since the cost of veterinary care has increased, Doodle's premium starting in June will be $81.97/month. No, I don't blame Pets Best Insurance entirely for this increase (although I must admit, I am unable to see the salaries of their corporate staff because they have now gone private, having previously been a part of Synchrony...although being a private company we cannot blame the increase on the stockholders wanting to see a big rate of return but can blame it on people with over-inflated egos within the corporate office thinking they're worth big bucks when they're actually worth less than your average everyday worker). I can put part of the blame on corporate veterinary clinics that have been absorbing the little veterinary clinics, basically pricing them out of business (just like in the human medical community). I'm a big fan of shopping local and support the little guy. So basically I'm going to tell Pets Best to shove it where the sun doesn't shine and put the $81 plus change into an account at my local credit union where I will get better a better rate of return than the stock market offers. Here's to you Pets Best 🖕
5

out of 5

VETERINARIAN: Monroe Veterinary Clinic

POSTED: | BY: Brian

Claim

Very easy process. Submitted billing receipt from the vet, had payment a few days later.
4

out of 5

POSTED: | BY: AEC

PetsBest Pup’s Best

Our pup has always been well cared for and PetsBest has always been there when we needed them. Pup has chronic and ongoing allergies requiring vet visits and medication and outside of reaching our deductible, most treatments and pharma have been covered. we would not consider any other insurer.
5

out of 5

POSTED: | BY: Jeni Voci

We are very grateful to Pet’s Best…

We are very grateful to Pet’s Best insurance! We love our dog so much, but he has definitely had many health issues and I don’t know if we would’ve been able to keep him if it weren’t for the insurance. It’s a great deal! I highly recommend it!
5

out of 5

POSTED: | BY: Andy G

Reliable and upfront

What I love is that they cover all illnesses and accidents, not just a finite list. You can choose the percentage of coverage you want and everything is transparent and easy to understand. Filing a claim is very easy and straightforward in the app, and their live customer service is prompt, helpful and courteous. I am very thankful to have this insurance, as a serious accident or illness can easily cost many thousands of dollars. They have also never raised my premium for using the insurance, they only raise it due to the animal's age. I am very happy with Pets Best and highly recommend them, but I also hope you will never need to use them.

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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