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: Cindy Harris

Thank you, Pets Best

Your reimbursement regarding our recent claim was timely and it was fair. Our pet is important to us, and Pets Best has helped him to be able to get the care that, otherwise, we probably could not afford. Bless you.
5

out of 5

POSTED: | BY: Sarah

Fast reimbursement and great easy to use claims pr

I have carried Pets Best on my dog for almost four years. It was great peace of mind even though I never used it - one very small claim the first year when she ate a chicken bone she found at the park. But recently she got very sick, and needed to spend two days in the hospital to survive. The vet thinks she ate a poisonous spider. The bill was huge. I carry one of the top plans for her with a low deductible. Pets Best covered everything but two small line items not in her policy coverage. I was reimbursed fast and their process was easy to use, I just uploaded pictures of the bills and vet notes. I recommend Pets Best to everyone I meet at the dog park. Everyone should have this, for peace of mind and so you know your dog can get the care they need when they need it. I carried it for years without needing it and hoped I never would need it, just like I've had car insurance for 20 years without ever being in an accident. But when I did need it, Pets Best was there for me. If you have a dog, you should have insurance on him/her, just like car insurance, home insurance, and your own health insurance. And I trust this insurance company. Fast, reliable, true to their word on policy coverage, great communication, excellent website and online account management and claims. A++
5

out of 5

POSTED: | BY: Amber Cooper

Thanks

Aura kept getting bladder infections over two years. Thanks to Pets Best we are able to find the underlying problem to the infections. I recommend Pest Best to everyone.
1

out of 5

POSTED: | BY: Laura

Misinformation and wasted time.

First my rates have gone through the roof. I pay half the premium for my dog that is one year younger at Trupanion. Then, I spent over a half hour on the phone with a representative trying to figure out which invoices I submitted already and which I didn't, because it is impossible to tell from website. She informed me that nothing was submitted after April 2015. When I submitted the receipts, the ones from that month were denied as duplicate submissions.
3

out of 5

POSTED: | BY: Steph

Kept raising premiums

Premiums went up 50% two years in a row. So they doubled our premiums over 24 months. I just cancelled after the policy renewal raised our premiums again.

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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