Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 15,698

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

VETERINARIAN: Deer Park Animal Hospital

POSTED: | BY: Darlene

Pets Best

I have been with Pets Best since 2004 and would not have any other insurance for my puppies!
5

out of 5

VETERINARIAN: Suburban Animal Hospital

POSTED: | BY: Mary

Claim Filing

I find filing a claim with Pets Best to be easy. Their claim submission program allows you to attach the invoice from the Vet right to the claim. I have Suburban Animal Clinic email the invoice to me. I screen shot it to my photos and attach it to the claim from my photos file. James at Suburban Animal Hospital in Roseville, MN is great in the office there. He is cordial, courteous, and professional at all times. And we absolutely love our Vet there, Dr Lewis. She is an absolute gem! She knows her stuff and is so good with Legend I’m never concerned about his welfare when he goes to see Dr. Lewis.
5

out of 5

POSTED: | BY: Frankie

Nice to have for your pets

I was advised years ago to purchase pet insurance by my vet. Soon on of my pets had to undergo spine surgery. . Another cancer took her away. Another digestive issues along with dental surgery. Another the same. The insurance will provide wellness care accidents etc. cost depends on coverage and deductible. Just like health insurance for a person. It will over time increase cost. BUT WITHOUT IT YOU ARE ABLE TO RECOVER 80 % for cost. Once you file necessary medical reports. Do not have a pet without medical coverage.
5

out of 5

VETERINARIAN: Bronx Veterinary Center of Eastchester Road

POSTED: | BY: julio

CARING FOR TROY

I have been satisfied with Pets Best Insurance because my dog, Troy, has needed veterinary care many times. Troy suffers from allergies and has ongoing issues with his back legs, which often cause him to limp. Because of these health concerns, he has required multiple visits to the veterinarian for examinations and treatment. Pets Best has helped me manage the cost of Troy's veterinary care. I have not had any major issues with my policy or claims experience. Having insurance has given me peace of mind knowing that Troy can receive the medical attention he needs when health problems arise. Julio Roldan Owner of Troy the Bully
5

out of 5

VETERINARIAN: Animal Hospital of White Plains

POSTED: | BY: Marie

Fast & Easy

I've heard horror stories about other insurance companies taking months to respond to submitted claims. That's never the case with Pets Best...I will submit a claim and usually receive a response days later and the payout a few days after that. The online claim process is fast and easy and the premium is at a reasonable and competitive cost. I recommend them to everyone I know

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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