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: Carrie Donnelly

Best Decision We Ever Made

Best Best is fantastic. We compared all the other pet insurance companies before signing up with Pets Best. We purchased the insurance when we first brought our little girl home. We have Best Wellness, so it encouraged us to get her 6th month check-ups and regular maintenance. That in and of itself is a reason to have it...but as with any insurance, one hopes, and often thinks, it will never really be needed. When Summer was only 2 she very sick, likely from the tremendous heat. Pest Best was there, and we were able to get her well..we did not have to worry like most people we saw at the Vet ER. Having to make the most difficult decision, because they could not afford t pay for treatment.Then two years ago, we found Summer sick again---she has Immune mediated hemolytic anemia (IMHA), treatment is VERY expensive, and on going. Pets Best has been great, even reimbursing our vet so our out of pocket is very small. We are at the end of our coverage as our limit was $7000, but I am thankful that they have been there for this. We could not have done this without Pets Best. Thank you!!
5

out of 5

POSTED: | BY: Ragan K

PetsBest is great!

I have been a policy holder at PetsBest for about 5 years. I have had three dogs covered and have never had a problem. I love the new direct deposit option for the reimbursements. Good company!
5

out of 5

POSTED: | BY: Stuart

Excellent service!

Claims service was fast, efficient, and exactly as promised. I was very impressed with the hassle-free claims form and claim processing. I would highly recommend Pets Best, without reservation.
5

out of 5

POSTED: | BY: Mary Kay

Wish my own health insurance company was this good

I have had Pet's Best since we adopted our ex-racing greyhound. Having been through several health issues and surgery, it has been a relief to have this plan. This week they had my claims processed the same day! AND I had the reimbursement in my bank in 2 days! Wish I could get this type of service from my health plan.
5

out of 5

POSTED: | BY: Teresa

Makes me wish for a dogs life!!!

Recently added a maltese puppy to our family and our breeder talked to us about insurance. We had never thought of buying insurance for a pet before...seemed like a luxury we couldn't afford. Plus we had the same attitude towards pet insurance as we had about our own "human" insurance and the absolute dread in dealing with the company. However, with Diva being a puppy and the life expectantcy of 15 to 18 years, shots, accidents, illness, spayed, etc., we decided to check into insurance for her. Pets Best had the rating I was looking for and offered a package we could afford. I can't begin to adequately say how awesome this investment has been. The claims are pre-filled with all information when downloaded. All I need to add is a brief description of treatment and attach the vet's statement. Within a FEW and I mean FEW days we receive word that the claim was received. And that it was processed with any money reimbursement directly deposited into our personal checking account. Voila!!! When I had a question about a claim, that same day I received email clarification PLUS a personal phone call from a representative. This is the best, easist, hassle free, terrific coverage, friendly and fast customer service insurance company ever! Wish our "human" insurance was as accessible!

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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