Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 15,010

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: Keith

My claim was processed in less than a week

It was very quick and easy to upload the completed form and receipt in the claims process. I received almost immediate notification of receipt of my claim and the claim was processed in less than a week.
1

out of 5

POSTED: | BY: Minerva

Horrible customer service

I recently added my 12 wk old puppy to our existing acct but I ended up cancelling it within the wait period. I called customer service to inquire about his membership and kinda mentioned that my very young puppy is scratching. I was suspecting fleas but Erika diagnosed him already with a pre existing condition of itching or allergy and any claim related to that will not be approved. I called your vet on call and complained about that stupid Erika and even the vet said shes wrong and not in any position to diagnosed a pet. I complained to a manager Gina about this feeling Vet Erika and cancelled my Yorkies pending membership. Ignorant and dull customer service reps like Erika shld be fired or you’ll lose more clients!!!!!
1

out of 5

POSTED: | BY: Cheryl

High hopes, BIG dissapoinment

The first claim took forever (over 2 months) to approve because they wanted everything back to adoption papers to confirm her conjunctivitis was not a pre-existing condition. I cannot imagine that if a dog gets it once it will never be covered again as it can reoccur at any time. I did a lot of research on dog insurance and finally decided on them because it seemed I'd get the quickest repayment and best coverage. This went toward my deductible eventually, but I was also disappointed to see the there was a separate co-pay that they remove from the total expense that does not go toward my deductible. Going to start looking again and other providers.
1

out of 5

POSTED: | BY: Sherry

Don't trust them - Total con! They just steal from you.

Total con. I was basically stolen more money than "given" for claim. The policy I picked said it covered spay/neuter. I got $150. What? Should have just kept the $1,000 I gave them in a savings account to cover everything that they wouldn't. They wouldn't even cover the cone for after surgery. $150 was nothing. Didn't even pay for her flea/tick and heartworm meds. Why pay for this when you get nothing from them?
5

out of 5

POSTED: | BY: Tina Huey

I have to say I’m greatful for this…

I have to say I’m greatful for this insurance! My pup got a skin infection and they have been quick in reimbursing me.
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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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