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: Amy

Great Experience

Very Happy with the coverage, claims process and consistency of reimbursement from PetsBest. My daughter has different coverage for her dog, and Pets Best has been better in almost every way! I would highly recommend them!
5

out of 5

VETERINARIAN: Westfield Small Animal Clinic

POSTED: | BY: Cassandra

Great Pet Insurance

We have both of our pups on Pets Best. Affordable prices. Claims are normally processed within a few days. We've only had one month where it took three weeks for claims to be processed. The only thing that upsets me is prescription dog food isn't covered under any policy. With this being more expensive and only be able to purchase through a vet, I would think this would be a benefit that would be covered under the policy.
5

out of 5

VETERINARIAN: Urban Pet Hospital And Resort

POSTED: | BY: Candace

New medication for cats with HCM

I've been very happy with Pets Best Insurance for my cat. Filing claims is easy and I've always had very friendly and helpful customer service support via phone calls. The company does need to update their drug formulary to include the new FDA approved medication, Felycin-CA1, which is going to give pet owners more years with their kitties. The generics aren't even on the formulary. All of the rest of my cat's veterinary care has been covered as I had hoped. Pets Best is a great insurance for pets.
5

out of 5

VETERINARIAN: Santa Clara Animal Hospital

POSTED: | BY: Melissa

The Best

All I had to do was take a picture of my vet bill receipt and upload it to the claim. Within 24 hours it was paid to my linked care credit card used to pay the vet bill. It literally could not have been easier.
1

out of 5

POSTED: | BY: Brady

Denied Accident Claim

Claim denied because pain was unable to be localized and injury was assumed. Our dog was limping and whining with pain which is why he was taken to the vet. Complete joke to have pet insurance for accident and illness when claim is denied because of a reason like this. Whether the dog’s leg was broken or not, he was clearly in pain from an injury and we got no help from Pets Best. Even appealed the claim and after second review it was the same result. Customer service person actually recommended doing an appeal because she thought it sounded like we should have received some reimbursement..
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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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