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.
2

out of 5

POSTED: | BY: C. Wallace

Disappointed

The claim was processed in a timely manner, however, I was disappointed in the amount of reimbursement, only $25 of a $135 billing. This was not the first claim where I have had this experience, so I cancelled the insurance policy.
5

out of 5

POSTED: | BY: Denis

Very pleased with Pets Best-Highly recommend

I just renewed my policy for my 15 year old cat. The first time I got insurance for her was a year ago. About 6 months ago she was diagnosed with kidney failure which requires me bringing her to the vet twice a week for fluids. Initially, the tests, hospital stay, and IV fluids was around $1,000. Follow ups and treatments brought the total closer to $1,500-$2,000. Each claim I filed was paid within a week and deposited to my account. After meeting my $250 deductible, they pay 80% up to $2,500 per illness (the basic plan). All payments were made without any hassles. The premium was well worth the cost. Customer service is very helpful and friendly. I highly recommend Pets Best Insurance. I went with the basic plan which had a very reasonable premium.
5

out of 5

POSTED: | BY: Kristel

Would never be without PetsBest insurance!

I have 3 cats, they all have PetsBest Insurance. It has paid for itself 100 times over. My male cat, Snowball, had to have bladdery surgery for bladder stones. The total vet bill was $855.00; my portion of the bill was $167, PetsBest paid $688. I have another male cat, Jake, who has hyperthyrodism. He has to have his blood checked every six months and is on a medication called Tapazole, one month supply of Tapazole is $44.25; I pay $10.00. I only pay 20% of the total cost for his bloodwork. I can go on and on, but just do yourself a favor, purchase PetsBest, you won't be sorry. You do your claims online, and they do direct deposit into your account within 3 or 4 days.
5

out of 5

POSTED: | BY: Heather Petty

INCREDIBLE INSURANCE

This is the first time i've dealt with pet insurance and Pet's Best was recommended to me from a vet hospital. Over the course of almost 2 years, have had one young dog who had ortho surgery and now just recently my other dog had a freak accident which required emergency surgery/ICU stay for 6 days, blood transfusion and 24 hour care at specialty hospital. I can't believe how quick and easy Pets Best has paid out on both claims. I would now recommend for anyone having a dog who runs off leash in brush etc to sign up for the maximum plan with 14,000 limit. We only had the 7,000 limit. Company rep's are always available and honest about policies and filing paperwork with direct deposit on reimbursements, makes this ten times easier than human insurance. All reimbursed within 8-10 days, incredible!
1

out of 5

POSTED: | BY: Elly Millman

Good and Bad

I bought Pets Best Insurance (regular and wellcare) shortly after purchasing a puppy that turned out to be loaded with problems like tapeworm, bacterial infection and giardia. It took months to clean him up so that he is now happy and healthy at 9 months. After several claims, I found that the hundreds of dollars I spent at the vet was not reimbursable! I've tried to cancel the well care and learned that I can't until I have it for a year! Maybe someday the regular portion of the policy will pay for something....but I hope I never need it. I will be changing companies when my year is up!
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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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