Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 14,134

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: Michelle E

Pet's best. Really is the best!

I have had some bad luck with my dog. He has hada broken leg and posioned himself and an allergic reation to vaccines in the 18 months of life he has had so far. Without pets best he would not have been able to walk and have the surgery he needed. I am grateful for this insurance. They are fast reponsive and a lifesaver. Thanks a bunch
5

out of 5

POSTED: | BY: Danielle

Pets Best is really The BEST

My Daisy is a 9 year old Jack Russell Terrier, she will be 10 in 2mos. I have never had any problems with her, but i have always had insurance since I have had her. I have been with Pets Best since 2009 and it has been the best decision I have made. The last two years with Daisy I have spent quite a lot of money, but with Pets Best, I got ALOT back. Let me give you 2 examples. Last year she had to have two masses removed, my total bill was $850. My co-pay is $100, and I got the rest of it back. Last week, Daisy was hospitalized, and my bill was over $1600! I just got notice that my reimbursement is $1,120. There are somethings that are not covered, but that is ok because it is understandable. They process claims quickly, and their representatives are always so nice.You can also view everything online. I would never leave Pets Best. Do yourself a favor, and choose Pets Best, you won't be jerked around.
5

out of 5

POSTED: | BY: Jen

Thanks

Pets Best is really great! They are super friendly and are willing to quickly answer questions when I call if I have any about my policy. My claim form was dealt with SUPER FAST, I received a check probably 3 days after I filed. Very amazing! The only complaint I have is that dental is not included with my policy. I think there is another policy you can get with that, but I wish they would include that.
5

out of 5

POSTED: | BY: Claudia Schufman

Speedy reimbursement!

I signed up for direct deposit and started submitting my claims online. On my dog's last issue at the vet, I submitted my claim on Friday and the reimbursement was in my account the following Monday. Now that's fast!
5

out of 5

POSTED: | BY: Marilyn Frese

Amazing! Thank you so much!

NOW I know why it's named PETS BEST! Could also be called PET OWNERS BEST! I have had Pets Best insurance for 4 years for my dog Mickey, but had never filed a claim. I purchased it more for catastrophic illness than mundane problems. I contacted them re: price hike if I were to file a claim. I was afraid that the premium would go up quickly if I used the insurance, as it does with car insurance! (After 2 glass claims in 2 years, my premium was raised and my glass coverage dropped!) However, with the economy what it is, and my only income is my SS, a recent bill (which included blood work) was $480! Turned out to be just gastritis. I decided to file a claim...downloaded the online claim form, had the vet enter the diagnosis, and faxed it to Pets Best- not expecting much. A super quick and easy process. I received immediate comfirmatin that they received the claim and were processing it. Two days later, I got an email with an EOB showing a reimbursement of $304!! I had it deposited directly into my checking account. Now, I am 68 years old, usually find stuff like this to be terribly complicated and time consuming, but this could not have been easier! The service was fast and easy. Couldn't ask for more! I would recommend Pets Best to any dog or cat owner! I hope I never have to use their service again, but it's comforting to know that they are there to help if it becomes necessary!

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