Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,948

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: Sparrow

THE WORST!

I submitted a very simple $90 claim for a urinalysis because my cat was showing delayed urination. It was initially denied because they said they didn't receive drs notes. I got them the doctors notes and 6 weeks later, as well as 4 phone calls and three emails later (all a huge waste of my time not even worth the $90), them claim remains unprocessed. Meanwhile, they have not trouble extracting $126 from me every month for their monthly fee. Save your money. DOn't waste it on this scam of a company.
5

out of 5

VETERINARIAN: Veterinary Associates of Cape Cod

POSTED: | BY: Amanda

Emergency without financial ruin

We have two cats, both of whom I pay $34 a month for accident/illness coverage. When my 4 year old cat spiked a fever I brought her to the emergency vet and was of course terrified because we love our cats like family. But when I received the bill, I was able to pay it all on my CareCredit card. The next morning, I uploaded the receipt to Pets Best; had a judgment within a few days and a payment in less than a week. Our cat needed to have one more emergency consultation that week and the process was just a simple financially. For this bill, I had elected the reimbursement go right to my CareCredit card which it did within a few days.. That is a great feature too. It's hard enough panicking about our pets Health so there's certainly peace of mind about cost with Pets Best insurance. I also wanted to say I utilized Pets Best chat, veterinarian the night before, and followed that advice of the Vet. To be honest I thought it was an AI feature but the Vet from the chat called me a few days later to check On our cat Papi! We are grateful
5

out of 5

POSTED: | BY: Consumer

Always very quick to respond

Always very quick to respond. Thank you!
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5

out of 5

POSTED: | BY: Joe C

Excellent pet insurance company

Excellent pet insurance company. They will reimburse you after your deductible usually within 30 days. Highly recommended.
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3

out of 5

POSTED: | BY: Young Choo

Make sure it’s right for you

Our dogs are generally healthy and haven’t had any big issues. However the denial claims have been more frequent than not and they automatically disqualified our golden retriever for anything related to hip dysplasia and denied our rescue mix for a wellness benefit without cause. I have regrets having been with Petsbest from the start. Our GR’s premiums is now 400 a month which is the same as mine! A 100 dollars a month increase from last year. We are likely to now cancel our insurance with Petsbest. I am disappointed that we have to do this.
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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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