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.
1

out of 5

POSTED: | BY: Chris Edgmon

Since getting the most coverage …

Since getting the most coverage offered, I have spent around $700 out of pocket for basic things like shots, meds for a condition etc. I have been refunded about 20%! We pay $64 a month....this is a rip off.
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5

out of 5

POSTED: | BY: Julie Y.

When My Sawyer Was Diagnosed With...

When my Sawyer was diagnosed with congestive heart failure and was to see a specialist I filed a claim with pets best. I later called and spoke with a claims specialist and she was so kind and understanding especially when I cried because I was heartbroken. She listened. She explained the entire policy to me and assured me it will be ok. I was so scared that the cost of his care would be too much and they would cancel us. It has been a little over a year, each specialist visit I receive a check 7 days later. I am so grateful for pets best without it my sweet sawyer would not be with me. I am so grateful he is still running and jumping and happy even with his heart condition! I owe it all to his vets and pets best! Thank you!!
5

out of 5

POSTED: | BY: Larry S.

There Was Some Confusion As The C...

There was some confusion as the claim summary was not specific enough (did not list the meds)
5

out of 5

POSTED: | BY: Nina G.

This Was Just A Routine Checkup B...

This was just a routine checkup but I've never had an issue with the claims process. I've been using this company for 5yrs and can't say I have one bad thing to say about it or the claims process. The reimbursement is so fast. I'm happy you care about our pets as much as the owners do
5

out of 5

POSTED: | BY: Pam T.

Our Mister Bones Is A Very Special Boy

Our Mister Bones is a very special boy. We have been blessed with an English Mastiff who has been vexed with elbow dysplasia and the complications that can arise as a result of his shear size... (Mister Bones is 178 pounds!). Had it not been for PetsBest, I don't know that we would have been able to afford the costs of surgery and the aftercare necessary to provide Mister Bones with the best quality of life possible. PetsBest has been nothing short of awesome! Not only are the representatives knowledgeable and receptive, they communicate in a manner that is both professional and kind. The claims process is extremely quick and quite simple which makes the process so much more enjoyable. PetsBest really is the best!!
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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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