Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,599

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.
3

out of 5

POSTED: | BY: Justin C

Processing Claims takes forever.

I think it takes way too long for Pets Best to process claims. Every. Single. Time. I get an email apologizing for the delay in processing my claim. If you have time to send that email you have time to process my claim. It is not very difficult. For this reason alone, I would never recommend Pets Best to another pet owner.
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5

out of 5

POSTED: | BY: Tiffani

Worth the money

I got insurance for my three dogs and just paid for the year upfront. Two of my dogs needed dentals this month to extract broken teeth and with just those procedures they both met their deductible and I got reimbursed for a portion of it.
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5

out of 5

POSTED: | BY: Donna C.

The best no hassle process

The best no hassle process. In the midst of a pet's urgent medical care the last thing a pet parent needs is brokering between the insurance and the care provider. That's what makes Pet Best so wonderful to work with. Just scan in and send the invoice(s) for vet care and Pets Best communicates with the vet office if additional information is needed. This fees me up to focus on my pet's care and recovery. I have shared this information with others who are looking for pet insurance.
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5

out of 5

VETERINARIAN: SAHO Owasso Animal Hospital

POSTED: | BY: Sharon

Te Ata herniated disk surgery

Te Ata herniated a disk between C3 and C4 and was paralyzed. She had to have triage, xrays, intial MRI, 3 hours away, emergency care at Oklahoma Veterinary Specialists and surgery. All completed within 30 hours, which was the key to success. Knowing that I had Pets Best insurance that paid 90/10, I never worried about the expense we were going to have. Pets Best even covered the Sports Medicine rehab and acupuncture. With so many invoices and records, it did take a little longer than usual. Received all payments combined within 30 days. Any new invoices that still pertain to rehab is usually paid within a week. Would not change for anything. Pets Best has been very good for my doberman kids"
5

out of 5

POSTED: | BY: Linda Rich

Money well spent

Although payment isn't instantaneous, they come through and it is a very easy process. And mine probably takes a bit longer as my dogs condition (gall bladder sludge) isn't one of the choices so they always have to reach out for more info so that takes a little longer but I've been really happy with the insurance and very grateful to have purchased it. It is the 1st time I've ever bought it and it has truly paid off!
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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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