Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,162

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: Fe

A great pet insurance!

Yet another great experience with Pets Best! I brought my pet to the vet the last week of April, got reimbursed in 7 business days. What can I say? Proven and tested, Pets Best is the best insurance to cover my pet's needs, especially that she is now a senior. My nephew is getting a dog come August, and I will definitely recommend Pets Best to him.
5

out of 5

POSTED: | BY: Thomas Roque

Excellent Company - Great employees.

I have had Pets Best Coverage for approximate.y 1 year and my experience has been excellent. Because of claims I submitted I was in contact with your representatives on numerous occasions regarding the paperwork. THey have been professional , extremely courteous and helpful. They stayed in contact with me throughout,both via telephonically and email in a timely manner.. I can't say enough about the excellent service I have received. I would recommend Pets Best without any reservation. Your Customer service is the best.
5

out of 5

POSTED: | BY: Jan

WOW!

Over the years, PBI has never let me down. My claims are processed in a timely manner! I receive updates throughout the entire process. Their customer service is top of the line!
1

out of 5

POSTED: | BY: Gloria Powers

When your dog is over 8 they raise your rate

My dog turned 8 last year, and my insurance rate went up 10 dollars. This year when he turned 9, it went up almost 15 dollars. I never used the insurance and have had it for 4 years. I finally canceled and they didn't even put up a fight which leads me to believe they wanted me to cancel.
3

out of 5

POSTED: | BY: Sharlene

Would choose another company

I stayed with the same company but chose an annual deductible policy instead of per incident and my dog had TPLO surgeries on the prior policy. I took him in for exam and xrays because if what I thought was knee problem and they denied stating pre existing. Now I cant change because he has hypothyroidism and no other comoany will pay. Typical insurance, do whatever they can to not pay
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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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