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.
5

out of 5

VETERINARIAN: Harrisonburg Animal Hospital

POSTED: | BY: Erica

Anna, the Mighty Galgo's Life Adventures- Pet's Best always has our back!

Anna is a petite Galga (Spanish Greyhound) with an outsized personality. We didn't set out to adopt her or her brother—instead, they became part of our family when my mom passed away three and a half years ago. From that moment on, my husband and I made a promise to give them the best life possible, just as my mom would have wanted. Last summer, we noticed what we thought was a benign fatty lump on Anna and scheduled a vet appointment right away. That visit marked the beginning of a stressful three-month journey. What was initially diagnosed as a stage 2 sarcoma turned out to be stage 3. Because of her slender greyhound leg, it took two surgeries to fully remove the tumor. Along the way, a specialist also diagnosed her with a heart condition, Mitral Valve Degeneration, that now requires ongoing monitoring. We carry accident and illness insurance for all four of our large dogs, since we're able to handle routine care ourselves. But Anna has certainly been the one with the most frequent—and costly—vet visits, due to ongoing monitoring for her cancer and heart condition, as well as a handful of other predicaments she's managed to get herself into. It's the unexpected expenses like these that make us so grateful for Pets Best. The coverage has lifted the burden of difficult financial decisions, allowing us to prioritize Anna's health and well-being. We are truly thankful.
1

out of 5

POSTED: | BY: Chris Greene

do your homework before purchasing

Updating from a 2 to a 1..... they. are. awful...Set-up and payment process fairly easy. However, once you file a claim - extreme patience is needed. They can take your money easily - but it's completely different when it's time for them to pay. Considering changing companies.
2

out of 5

POSTED: | BY: Anthony Vidal

Reimbursement too long

Reimbursement took a while to get to me. Everytime i would submit a document, i would wait several days, without knowing if they were fine or not. When i finally received word back, some of the documents were not submitted correctly or they needed additional information which would delay the processes. When I submitted everything correctly, they would take an additional 10 days for their regular processes.
5

out of 5

VETERINARIAN: Catawba Animal Clinic

POSTED: | BY: Kippi

Peace of mind

Our girl suddenly became sick recently with Cushing disease and diabetes. As you can imagine the bills have added up quickly! Without our insurance it would have been impossible to get her the care she needed. I’m so thankful I had the forethought to purchase it.
5

out of 5

POSTED: | BY: Tom Doud

Pets Best has the best rates and great…

Pets Best has the best rates and great response times for claims. They are a "thumbs-up" pet insurance company to work with!

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 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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