Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,154

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: Benedicta Clarissa

Amazing responsible insurance!

First time using a pet insurance and I’m impressed. I filed a claim and they replied really fast. I’m really satisfied. Hope they keep up it up!!
5

out of 5

POSTED: | BY: Jolene

cut our bill in half

Our puppy was very sick and had to stay at the vets overnight. The bill for his treatment was unexpected and expensive. Thank goodness we had Pets Best insurance. I sent in our bill (we had to pay the vet first) and within a week we received money in our account to cover half of the expenses. Thanks Pets Best!
5

out of 5

POSTED: | BY: Sally Olson

Excellent and timely service!

Excellent and timely service!
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5

out of 5

POSTED: | BY: Douglas H.

Ralphy Has Been Healthy For 8 Of ...

Ralphy has been healthy for 8 of his 10 years since adopting him at 1 years old. Having "Pet Insurance" wasn't something we ever thought we would have to think about. One of our children had it for their dog and just mentioned it one day. We started thinking because of his age at the time it might be a good idea. Thankfully, or unfortunately, about 4 months after purchasing Pets Best Ralphy started with a few issues. The process of a claim, the Customer Service and website with helpful hits has been just awesome! We of course pray that Ralphy will be around for a long time and we don't have to file claims and he stays relatively healthy. But, it is comforting to know if we need insurance, it is there! Ralphy has been dealing with a Cyst in one of his legs. This has taken a lot more attention then expected because of complications with the leg tissue to be well enough for an operation to remove it. After TOO MANY months he finally had that surgery! All through the process there were examinations & medications of which we filed and have not been disappointed in the responsiveness from Pets Best or the final decisions on the amounts paid. Thank you Pets Best! Without your part being done well, this could have been a lot more difficult to work through.
5

out of 5

POSTED: | BY: Leigh Ann

Very Satisfied With My Claims ...

Very satisfied with my claims
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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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