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: Jeff

Pets Best has been a big help during a trying year

We have had coverage on our 2 Shelties for a few years now. Last year, our older girl became very sick. Best Pets came through paying up the the Plan max which was very helpful given the money we have had to pay out. During her recovery, a second diagnosis was made. This time it was terminal cancer. Best Pets did their part again. Again paying up to the plan max for this new diagnosis. In total, Best Pets processed over a dozen claims, each one handled very timely. Gabby is still with us and although we paid out thousands in the past year, we would have paid more. It was very helpful to have this insurance to help mitigate the costs.
5

out of 5

POSTED: | BY: Denise Heelan

TRULY IS "THE BEST"

I decided to get Pet's Best based on reviews of the company. However, I decided I would save it for a TRUE emergency, choosing to pay for all other vet visits on my own for my two Bichons & 1 maltese. My middle Bichon recently did have a TRUE emergency and could have died. But the ER vets in Buffalo Grove saved him, diagnosed him, got him on the right track and Pets Best covered the majority of the bill, which helped me keep money in the bank for the additional costs now that he's a diabetic and would need regulating. I'm happy to report he's now my little "diabetic on the go" and thanks to Pets Best - I'll always have peace of mind during a TRUE emergency! They are worth EVERY penny I pay them quarterly! HUMAN insurance companies could learn a thing or two from this company!
4

out of 5

POSTED: | BY: Steve

Great Service

Very happy with this service. The rates are reasonable, and I was even able to cover an older dog. The claim forms are easy, and the refunds are quick and into your account electronically. Would definitely use them again.
1

out of 5

POSTED: | BY: laurie

Not what they saw

When we brought home our goldendoodle we immediately signed her up for coverage. I did a lot of research on the various options because we had VPI with our last dog and it was not good. I asked about the standard insurance and the wellness option. the representative said that I could add and remove the wellness option at any time. I did not submit any claims on my puppies shots or other wellness visits but I did submit the claim for her spaying. when i called to remove the wellness option after her procedure the rep said that I had to wait a fulll year. this was contradictory from the original sales person. The rep said she checked the call recordings and that the rep didn't give me that information. this is incorrect. I would not have signed up for the wellness option if I had been told this rule. I immediately cancelled this insurance because i do not prefer to do business with dishonest companies. I love my pets like family and want them to be protected by the most reputable company.
5

out of 5

POSTED: | BY: Lisa Waxman

Excellent Insurance

If only every other insurance company would provide their customers with the kind of service that Pets Best does. My claim was processed efficiently and timely.
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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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