Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,139

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: Susan L.

Switched to them and loving that decision

Several years ago, I used another insurance company. They were paying less and less. Pets Best Insurance has been brilliant! Very clear and exceptionally easy to understand. I filed the most recent claim for my dog's surgery on Jan. 7, and it was DONE by Jan. 10. With direct deposit for my reimbursements, the funds came more quickly than I could imagine. Thank you Pets Best Insurance!
5

out of 5

POSTED: | BY: Sandy V

Wow!

We live out in the boonies, and, after spending over $2000 in the past year for things like porcupine quills, stitches from barbed wire, and a javelina attack, we decided to purchase accident insurance for our two rambunctious dogs. Just two months later, Tex, our Cattle Dog mix, got cut up yet again, requiring staples and a drain. We were traveling and I didn't have any of our info with us, but the Pets Best rep I talked to on the phone was very helpful, found our account, and emailed us a claim form. We submitted it by mail, and less than a week later, got an email saying it had been paid in full.The claim amount came to just about what Tex's premium cost, so we feel like we are now ahead of the game.
5

out of 5

POSTED: | BY:

Fast Claims Payments & They Actually Pay Claims

5

out of 5

POSTED: | BY: Desiree

They actually care about your pet

Bryn W. was very courteous, knowledgeable and helpful. She answered my questions in a timely fashion and explained to me that our dog's periodontal issues were unfortunately not covered under the policy but also offered options and suggestions which I truly appreciated--She genuinely cared about helping us. I also mentioned to her how much I have enjoyed Pets Best monthly newsletters. For this Pets Best gets a 10 out of 10. Not like any insurance company.
2

out of 5

POSTED: | BY: Virginia Bacigalupi

No Longer #1

no longer recommend Pets Best Insurance. I purchased Pet's Best when I first brought my puppy home in 2011. I wanted the best for her. I researched through several consumer reports and read all the customer testimonials. At that time Pets Best was ranked #1. My vet suggested Trupanion, but I chose Pets Best. My first claim was for an ear infection, pretty common and straight forward. I submitted my claim electronically through their website with no problem. I was reimbursed directly into my checking account online and was thrilled. I told everyone about Pets Best. A year later another more severe and stubborn ear infection occurs with follicular conjunctivitis - seasonal allergies being the primary cause. I have sent three claims. Each time, after two days have passed, I get an email that they did not receive all the paperwork - all two pages of it. Of course, this holds up processing of the claim. They are now rejecting part of my claim as grooming. My veterinarian does not offer grooming services. Anyone knows a deep, thorough medically required ear cleaning, usually beyond the expertise of a layperson, is required to treat the infection. Also, the ear cleaning is part of the exam. This is how they obtain the cultures to determine the type of bacteria or yeasts present. Customer service told me I could clean her ears at home. The issue with her eyes is borderline. My claim was denied due to entropian, which is not covered and I understand that. But her e

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