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.
5

out of 5

POSTED: | BY: Jill

I wasn’t sure if the claim would be…

I wasn’t sure if the claim would be accepted but it was. The coverage is great. Thank you.
5

out of 5

VETERINARIAN: Myrtle Veterinary Hospital

POSTED: | BY: Michelle

Pets Best js AWESOME

I recently filed 2 claims one for a vet visit and one for flea treatment medication. One needed some explanation but it waa easily done. The checks arrived promptly.. i highly recommend Pets Best !!!
5

out of 5

VETERINARIAN: BluePearl Pet Hospital

POSTED: | BY: Kelley

My Pets Best Insurance Experience

"I had never purchased pet insurance before. However, after my dog had a very expensive illness, I decided it was time to try it. I researched veterinary insurance, & Pets Best was one of the top 5 rated companies. I chose Pets Best for a couple reasons; my senior dog (15) could be covered, there were a variety of options with regard to coverage, premiums, & coinsurance, & the website was very user friendly. After my dog had been covered for approximately 10 months, she was diagnosed with a very aggressive lymphoma & had to be euthanized less than 2 weeks later. I submitted the vet bills online. Processing took a couple weeks, but I received emails during that time, keeping me updated on where my claims were in process. Also during that time, my quarterly payment was automatically charged to my credit card, a couple of days after my dog had died. I knew I had to call to cancel the policy, but I was so grief-stricken that I just didn't care. I was willing to sacrifice a couple hundred dollars to delay having to deal with it. It turned out that I didn't have to sacrifice the money or make the phone call. A few days later, I received an email from Pets Best expressing condolences for my loss, letting me know that my dog's policy had been cancelled as of the day after her passing, I would be refunded that quarterly premium, and also refunded the pro-rated portion of the previous quarterly premium. I can not begin to express how grateful I am for the prompt & caring service! It will be quite a while before I'm ready to get another dog, but when I am, I will be returning to Pets Best for veterinary insurance."
1

out of 5

POSTED: | BY: Colton

Choose another company for your puppy's insurance.

Filed multiple claims for ER visits for my 1 year old puppy that all took place within a week. It took them almost a to payout any claim at all and when they did, they barely covered it. To be exact, they paid 1/3 the expense at most. They found any reason possible to deny coverage of medications, office visits, etc. Not happy with this insurance at all.
5

out of 5

VETERINARIAN: Battletown Animal Clinic

POSTED: | BY: Aaron

Crucial as your pets age.

My little boys, Stewie and Shane, father and son Chinese Crested's were covered with Pet's Best the majority of their lives. As they got older the medical bills increased as they tend to do. Medications and medical procedures became a part of life and that is when Pet's Best truly showed its value. Other pet parents and veterinarians highly recommended Pet's Best when I asked around about pet insurance and now I know why. You can tailor the coverage and deductibles that are right for your finances and when you actually have to use it the claims process is very straightforward through your Pet's Best account online, and the customer phone support people couldn't be more caring, helpful, empathetic and knowledgeable. Stewie and Shane have passed over the rainbow bridge, and while I am crushed emotionally, Pet's Best has made the financial part much less crushing. I will recommend this company to all pet parents for the rest of my life.

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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