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.
4

out of 5

POSTED: | BY: Arshad

Excellent Service

For the last several years, my Dog is insured with Pets Best. My experience with the insurance company is great! They are prompt and fair in handling the claims. My recent claim related to my dog ACL surgery has been handled promptly, informed me through out the review stages and finally reimbursed the amount according to the policy. I am a happy Pets Best customer! Thank you for a great service.
3

out of 5

POSTED: | BY: Ashley

It took a really long time to process my claim.

My dog was hospitalize with pancreatitis for four days. It was a really stressful time, we just had a baby and funds were low. We were trying to figure out how to pay for it. I'm so glad we have Pets Best and were able to get some money back. My only complaint was that it took 13 long days to process my claim. Now I am wait 5-7 more days for it to make it to my bank account. I wish on your email and website that it would give a more realistic time frame instead of some places saying 5 days or less and when you speak to a rep they say 10 day. Under promise and over deliver and everyone will be a lot happier.
5

out of 5

POSTED: | BY: Sue

Terrific!

My twelve year old Sheltie periodicals has tendonitis. Drugs do nothing but with regular acupuncture, he is able to maintain an active happy life style. I could not afford the treatments if he did not have Pets Best. Thank you for facilitating Ranger's happiness!
1

out of 5

POSTED: | BY: Stacie

Put me in a really horrible spot

I had pets best for 2 years and have been happy with them until yesterday. I got a email saying that a claim I submitted was not going to be cover (even though) this same claim was covered last month (for medication) and it stated its because the condition was preexisting. I called and talked to a customer service rep named Amanda I started to explain how there must be a error with this claim and to look into it. She comes back and tells me there was actually an error on their end 2 years and that they have been covering a condition they shouldn't have been and they thought that I should be thanking them for covering something that I guess was preexisting (even though it wasn't - yes when I signed up for insurance my dog had something going on with her but we still to this day have no idea what) and now they are thinking the medication she is taking to a condition she had 2 years ago. My dog is 10 and has to go to the vet now once a month and now is not covered so needless to say I was unhappy and wanted to speak to a manager. Bren a manager called me back and was even worse at speaking to customer than Amanda her response to me was again I should be thanking them and I SHOULD TAKE OWNERSHIP because I supposilvely gave false information when signing up with them 2 years ago. MY DOG WAS NOT DIAGNOISED WITH ANYTHING AT THAT TIME! I dropped this insurance company immediately and signed up with healthy paws with actually better coverage for half the price. Obviously her conditions will not be cover but I refuse to give pets best another penny.
5

out of 5

POSTED: | BY: Colleen

Good Claims Process

We have had PetsBest for several years. They pay promptly and have a nice, easy automated system. I did disagree with one decision. They allowed me to appeal and then paid the claim. I am very happy with this company.

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