Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,696

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: Linda

Big Waste of Money

Here is my first impression of Pet's Best insurance. They are more than happy to take your premiums but will look for any loophole to deny paying a claim. I am a new member and have paid 4 months of premiums only to have my first two claims denied. My dog gets gastrointestinal issues caused by bacteria from eating leaves in the yard. So I tried to submit claims related to that but because he had this issue a couple times prior to the insurance policy they are calling it chronic and refusing to pay. They make you go through a tedious appeal process to have it looked at again. They also told me today that if he gets this issue often they consider it repetitive and will only cover the first two incidents but then not again for 18 months. All the while they continue to take my premiums each month. I very much feel that this company is more concerned with their bottom line then the health of your pet. Save your money!
5

out of 5

POSTED: | BY: Christel Pascucci

Love Pets best Health Insurance now.

Love Pets best Health Insurance now. Recommend to anyone.
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5

out of 5

POSTED: | BY: Susannah Williams

Very easy to file and no hassle to…

Very easy to file and no hassle to receive reimbursement when applicable. So glad we purchased insurance for our dog with Pet's Best!
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5

out of 5

POSTED: | BY: Joseph

Followed their policy

Pets Best followed the policy fine. I screwed up and had vet appointment one day to soon for start of new policy year.
5

out of 5

POSTED: | BY: Steven

Hassle free

Was pretty much hassle free. Took a picture of the receipt.. sent it in... waited for claim response which was fairly quick.. and received an explanation as to what I was and was not getting paid for and why.
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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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