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

POSTED: | BY: Phyllis

Bordatella

"My dog has a pretty severe reaction to the injectable version of the Bordatella shot and has to get a Benadryl before hand. I didn't know whether Pets Best would consider the Benadryl necessary and they did when the processed the claim!. I have referred many people because their processes and support are fast and friendly!
5

out of 5

VETERINARIAN: All Pets Animal Hospital

POSTED: | BY: Linda

Always easy

So easy to submit a claim and they were very fast to review it and to pay to my account. I’ve been very very happy with them.
1

out of 5

VETERINARIAN: Veterinary Outpatient Treatment Center

POSTED: | BY: Ralph

Pets Best Garbage Insurance

Pets Best stiffs you on claims but the first on line to collect their premiums. Nothing is a covered service. Absolutely the worst.
5

out of 5

VETERINARIAN: Pet Emergency & Specialty Center of Marin

POSTED: | BY: Laura

Jackson’s Emergency Pet Visit

I had to take our pug Jackson to the emergency vet late at night because he was coughing and gagging. We were worried that he had swallowed something that was blocking his airways. Fortunately, the X-rays showed that he didn't have any obstruction and gave him a cough suppressant. I submitted our claim to Pets Best that very night and they notified me the very next day of the benefits and coverage. I received the payment 6 days later. I am so relieved to have pet insurance from Pets Best as they are incredibly responsive and timely.
5

out of 5

VETERINARIAN: Capital Circle Veterinary Hospital

POSTED: | BY: Elizabeth

Snake bite claim

I honestly couldn’t be more pleased with my experience. I had completely forgotten that I had pet insurance on my three dogs. In fact, it wasn’t until I saw the upcoming premium charge at the end of the month that I remembered I had the coverage! That turned out to be such a blessing. My nine-pound little Lulu was bitten by a cottonmouth snake here in North Florida, and we were so grateful that she survived. The veterinary bill was extremely expensive, and I wasn’t even sure what my insurance coverage included. Filing the claim was incredibly easy. I was able to do everything right from my phone by simply taking pictures and submitting the information. The process was so convenient and stress-free, especially during what was already a very stressful situation. And then you came through! You reimbursed after my copay and the covered percentage and paid the difference, which was such an unexpected relief. Knowing that Lulu was able to survive such a frightening experience was already a huge blessing. Having insurance that I had forgotten about turn around and help with such a large veterinary bill was the added gift. Thank you for making the claims process so easy and for providing the peace of mind that comes with knowing my dogs are protected. I’m definitely grateful I remembered that premium charge!

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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