Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,143

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: Kim A

I Have Always Had Quick Respon…

I have always had quick responses to both my questions and concerns, as well as deductibles, payments, credits.
5

out of 5

POSTED: | BY: Rozalie P

You Answered Right Away, Even …

You answered right away, even though my claim was late - marvelous - thank you.
3

out of 5

POSTED: | BY: Gail M

By Making Sure When Claims Are…

By making sure when claims are submitted together that they get paid together and when it is resubmitted you call it a duplicate. I have lost so much money because of this. Very unhappy.
5

out of 5

POSTED: | BY: Pamela Russell-Trimble

There When We Needed Them

My family purchased an 8 week old English Mastiff. His name is Mister Bones. How could you not just fall in love with a dog named, "Mister Bones"? Anyway, because my research found these dogs have the potential varies health issues, I purchased a policy. Additionally, I opted to have my vet fill out the additional paperwork so my waiting period, for specific maladies, would be reduced to 2 weeks (I found this only required the vet to perform a more extensive physical exam and didn't appear to be much of a bother to the vet). Literally, thank God we had pet insurance! Being a giant breed dog and understanding how hard puppies love to play, we very quickly began to reap the benefits of the policy. But, the real benefit came when we realized my dog had elbow dysplasia and required surgery, as he had a fractured coronoid process. After the X-rays, CAT scan, surgery, meds, and physical therapy that followed, we were comforted to know that our financial obligation would be severely offset by our policy. If we did not have this policy and were faced with just the surgery related bills, which were in excess of $4700, the decision to perform surgery and to do so at a top rate facility in our area would have required us to rearrange household finances to figure a way to mitigate such a large unexpected expense. The claims process could not have been easier. Each claim took, on average, approximately 5 days from the time I placed my claim until the time the funds were placed in my account. Each time I have called PetsBest, I have been treated with the utmost politeness and professionalism. No question was to difficult and every concern was addressed. While I would agree the rates may be a little higher than some other polices one may obtain, I think it is well worth the ease of mind and quality of service. My only disappointment is the substantial increase in my policy. Although I am told it had nothing to do with my claim history, I can't help but wonder, as I took my policy limits right up to the yearly maximum. With this in mind, we will still pay the premium because if faced with another medical emergency or unexpected illness, we would rather be safe than sorry..., and broke! Because I believe my increase was somewhat high, I have downgraded my overall rating to 9. Had there been a modest increase in my policy, PetsBest would have received a 10. Overall, I am most impressed and satisfied with the service on my policy.
5

out of 5

POSTED: | BY: Rich P

All Very Easy And Qhick Paymen…

All very easy and qhick payments

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.

Get a quote today

Leave a review