Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 14,113

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

VETERINARIAN: TimberCreek Veterinary Hospital

POSTED: | BY: C Loeb

Disappointed with insurance

Vet was great, insurance not so much.
5

out of 5

VETERINARIAN: Smyrna Animal Hospital

POSTED: | BY: Julie Spencer

Highly Recommend Pets Best

My dog, Rudy, has a chronic condition that requires ongoing treatment, and I honestly don't know what I would have done without Pets Best. Their coverage has made it possible for me to provide Rudy with the care he needs without worrying about the financial burden. The claims process is simple and straightforward, and I really appreciate how Pets Best keeps me updated every step of the way. They also provide clear, easy-to-read summaries of what's covered and reimbursed, which makes everything transparent and stress-free. I'm so grateful for the support they've provided to both Rudy and me — I would highly recommend Pets Best to any pet parent looking for reliable, compassionate insurance.
5

out of 5

POSTED: | BY: Janice True

Pets Best is the Best

Pets Best is the Best
1

out of 5

POSTED: | BY: Kayleigh Binette

Awful

The website and the app have been down for at least a month. The only reason I was able to learn this was on their Facebook page, nothing was shared with us! Every time I looked at what fb said it gave a different reason for it being unavailable. I was finally able to submit my claim after 2 weeks (out of pure luck) and now I’ll have to wait to see how long it takes to get the claim. They also provided an email address on their fb to submit claims, and of course it doesn’t work either. I called today to ask for a refund for the time we couldn’t submit claims and they said it’s not something they do. I cancelled my policy today.
5

out of 5

VETERINARIAN: Animal Hospital

POSTED: | BY: Annette Herbster

Love our pet insurance

After losing my beloved dog Max to lymphoma cancer, we decided after getting a new puppy named Poppi, that we would get pet insurance so should we ever face a life and death diagnosis again it would help make our decisions easier. We chose this company after taking to another pet owner during Max's surgery when she told us how wonderful Pets Best insurance is. She was right so far we are very pleased they have covered our new puppy's care. We did purchase their best well care program through Pets Best

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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