Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,684

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: Traci

Overwhelmed and very touched by Pets Best and their Customer Service Representatives

When I got a new puppy in June 2018, I started researching pet insurance due to the increasingly ever-changing prices of veterinarian care. I chose to go with Pets Best for my puppy and my cat. First of all, this review is regarding my cat. My policy was effective Sept. 11, 2018. The day before on 9-10-18, the day before my policy was effective, i was frantically trying to get my cat in to see a vet as she was extremely sick. Long story short the next day, the day my policy was effective on 9-11-18, i had to make the gut- wrenching decision to put my fur baby down. Needless to say, I was devastated. On 9-12-18 I called Pets Best customer service to cancel my cat's policy and remove her. I spoke with Bryn. She was amazing! When I told her about having to put my fur baby down she was so compassionate and caring , it felt like she went through the experience with me. She expressed her condolences to me in a way that I felt so comforted and that is pure gold to someone who has gone through an experience such as that...especially after having lost two other fur babies within 2 years! She assured me to not worry about anything and that she would take care of everything and would promptly remove my kitty off my newly purchased plan and i would be issued a refund within a few days. It was effortless on my part and the refund was in my bank account withing 48 hours. I was so impressed! A few days later I received a wonderfully sweet condolence card from the customer care department at Pets Best with all of their representatives names signed on the card. Truly, I was touched. I shed a few tears. It meant a great deal to me. Thank you, Pets Best, so much for being so caring and compassionate and for treating me as though I were family. I most definitely recommend this company to anyone who is on the fence in deciding who to go with for their pet insurance needs. You will NOT be disappointed.
5

out of 5

POSTED: | BY: Will

They have your back

They have your back during your time of need!! My Doberman had a spinal injury which required surgery and an MRI totaling $5000+. I had to submit my first ever claim for my Dobie with them on Saturday Nov 3rd and received confirmation they would be taking care of the costs outside of my deductible and co-pay by Nov 7th. So technically it took 2 business days!! Ability to have direct deposit set up means I’ll have my funds available to pay everything off well before it’s due. They give you peace of mind. Highly recommend!!
5

out of 5

POSTED: | BY: L.

Pets Best is a company that cares

My Little Cooper had to Unexpectedly be put down and I am still devastated! I don't remember the name of the first lady I cried all over when I called to cancel policy but she's an Angel as was Penny, the last one who helped me through the filing process. They both listened to me and talked with me a long time about my broken heart. I will Never forget their kindness and their obvious love for their pets. I live alone, will be 69 this month, am deaf in one ear due to Menieres Disease and am losing hearing in other ear due to same disease. It's a scary thing and having Cooper was such a comfort and help for me. I want to get another little dog probably after the holidays...no one can Replace Cooper but I desperately need the companionship. When I do, I definitely will get another policy from Pets Best as I know without doubt that y'all ARE the Best. I highly recommend you to anyone that will listen to me! You definitely are a company that CARES and that means Everything to me! May God bless you all!
5

out of 5

POSTED: | BY: Stacey

Great company!

Thank you for always being a great company. It had been a while since I filed a claim and things went even faster this time.
5

out of 5

POSTED: | BY: Jane

Pets Best has been a shining light

Unfortunately, I have had a few claims already with one of my dogs. Pets Best has been the shining light in a series of mishaps. They have been awesome and very quick with processing my claims.

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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