Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,152

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: Emily

Terrible insurance-- do not use them!!

Pets Best made a very stressful time with a sick and dying cat 10 times worse. I will never use them again. I had to follow up on claims (of over $7,000 all said and done) a total of SIX different times. What I was told on the phone and what they showed on their online system/app were frequently two totally different things. The claims process is lackadaisical-- I had to send the same paperwork four different times because each time a new Pets Best representative would tell me they had never received it. 2.5 months after the initial claim was submitted, I STILL have not gotten resolution on any of the 6 claims submitted between then and now, including sadly having to put my cat down. And even then, after submitting final claims for euthanasia, I had to call AND email to have my policy cancelled due to her death. (At which point I was asked AGAIN about the paperwork that had been sent four times prior). Disorganized, unprofessional, and a complete waste of time and money. Look elsewhere!!
5

out of 5

POSTED: | BY: Jessica

So far things have been very smooth

So far things have been very smooth. Processing time to make a decision is a bit longer than advertised, but it's manageable.
5

out of 5

POSTED: | BY: Jennifer L

I love the ease of the claims process

I love the ease of filing the claim and how quick the turnaround was receiving the reimbursement.
5

out of 5

POSTED: | BY: Melissa P

Could not believe how easy it was to file a claim

This was my first claim with Pets Best. I could not believe how easy it was! I uploaded a picture of the receipt and submitted the form with the basic information needed. Payment was with in a few days! Right to my bank account! Thank you Pets Best!
5

out of 5

POSTED: | BY: Barbara F

I've saved hundreds of dollars

Pets Best pays quickly and thoroughly. My cats need ongoing testing for their conditions. What I'm reimbursted on one cat's claim goes into testing for my 2nd cat like a revolving door. I've saved hundreds of dollars.
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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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