Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,149

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: Miriam Hansen

Customer Service is amazing. They truly care.

Pets Best is wonderful. Our poor pup got pretty sick and we racked up quite a vet bill. We had so many questions since this was our first time dealing with a health issue for our dog and the customer service reps were so prompt and answered the phone within a minute. Everybody is so kind and knowledgeable and really cares about doing everything they can to make the process go smoothly.
5

out of 5

POSTED: | BY: Brett Stone

Quick, Easy, Painless claims

I've only had Pets Best insurance for a month now (I prepaid for a year and signed up for a wellness plan); however in that month my Yorkie has been to the vet once for booster shots and my bill ended up being 69 cents after insurance. I also purchased a year supply of HeartGard and Frontline and I received a $95 reimbursement within 2 business days and it was direct deposited in to my account. I haven't had any emergency claims yet (and hopefully I wont' ever have one), but its great peace of mind knowing Pets Best is there to cover 90% of my costs after the deductible. Thank you Pets Best!
5

out of 5

POSTED: | BY: Beverly Carsillo

They are very prompt with …

They are very prompt with reimbursements very helpful when I call or chat. Highly recommend them.
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1

out of 5

POSTED: | BY: HEATHER VALENTA

Denied claim when dog was injured

I love my dog and always want to be able to do all i can for her. She is 6 years old and healthy, but plays hard so i took out one of Petsbest's most expensive plans to make sure she would be well covered. She tried to jump a fence chasing a squirrel and ended up falling and injuring her back. I took her to the vet where a few x rays were taken and we decided to rest her and see if she improved. Petsbest denied all coverage for this claim. If I'm paying for accident coverage, my dog has an accident and gets hurt and they won't cover it, then what good is paying them to insure her?
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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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