Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,599

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: Steven Slick

Prompt claim responses.

Prompt claim responses.
3

out of 5

POSTED: | BY: Linda Van Mierlo

PetsBest takes a long time to process a…

PetsBest takes a long time to process a claim, close to 30 days. Preexisting condition definition is very broad, be sure you understand it before signing up. For example: if there is a record of your dog ever itching, they may exclude any Dermatology condition.
1

out of 5

POSTED: | BY: brad

don't use these folks

this company was great when I first started using them. now they are getting greedy and increasing my premium over 20% more than the year prior. when I try to sign up a new pet with this company the rate is the same as what I am currently paying. They are arbitrarily raising my premium with no cause. They have been extremely slow to reply when reaching out for additional explanations. Look elsewhere for a pet insurance company.
5

out of 5

VETERINARIAN: Metropolitan Veterinary Hospital Cleveland

POSTED: | BY: Rebecca

Amazing pet insurance!

I recently had to have a procedure done for my Shih Tzu because she had eye lashes growing into her eyes and laying on her eyes causing constant irritation and tearing. Can you imagine having several eye lashes laying being in your eyes every day, all day? Even though it was a very costly surgery, (freezing of the affected hair follicles so they won't continue to grow), Pets Best paid almost the entire bill minus the deductible. Over $2000! Also paid for most of the pre surgery visit to determine if surgery was needed. I couldn't be happier with their response and the speed of being refunded! This is an amazing company. Don't put off signing up your dog. Especially helpful for full breed puppies, since you don't know what type of issues they will have. I will be continuing with Pets Best as they have proven themselves tenfold! Thank you Pets Best!
5

out of 5

VETERINARIAN: Greater South River Animal Hospital

POSTED: | BY: Rachel

Small puppy with a large tumour

What we thought was a possible UTI ended up being a tumour in her chest, taking up about 1/3 of her chest. Truly unclear as to what was going on, additional blood work was recommended and x-rays at our regular vet. Based on what was scene on the x-ray, our vet wanted us to see a specialty vet; however, getting into a specialist vet was extremely difficult - with appointments booked 2 months out - this was disheartening, stressful and frustrating. With the difficulty getting into a specialty vet, our vet recommended we head over to the emergency vet that same day, they would call the emergency vet and send over her file with x-rays. So that is what we did. The emergency vet was wonderful. They were also surprised to see what was on the x-ray, like everyone else. Her tumour is large for a dog her size and age (only 4.5 yrs old). Unclear of how long this tumour has been growing, if it has spread - which it appears to have on the x-ray, and uncertain if biopsying the tumour was even an option due to size, our options are hard options right now. She is happy, playful, wags her tail and is excited to see you, not showing any signs of pain or discomfort, she eats what and when she wants to eat. We are enjoying each and every day with her right now. Pets Best handled all of our claims as quickly as they could, they were coming in fast. Pets Best team was probably wondering what was going on and needing to get more information from both vet offices - as we didn't have a specific diagnosis. Some out of pocket expense went towards the deductible but I am pleasantly surprised to see how much we are receiving back. Pets Best insurance has been wonderful. Thank you.

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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