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.
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!
5

out of 5

POSTED: | BY: K STOCKTON

Highly Recommend

I rescued a senior dog and thought it might be best if I took out some kind of insurance on her because of her age and unknown medical history. Shortly afterwards, the vet found some tumors on her stomach which had to be removed. Pet's Best paid their portion without a hitch. The basic wellness package is great, also. The claims process is painless and the response is amazingly fast. I usually have a check within two weeks. I recommend them to all my friends and they have great things to say, as well.
5

out of 5

POSTED: | BY: Shannon

Pets Best Came Through For Me!

I signed my puppy, Malcolm, up for Pets Best and added the Wellness plan as well. He's now 4 months old and I submitted my first claim (for his neuter & a shot). My claim was processed very quickly and I was reimbursed directly to my checking account. My only complaint is that I had to resubmit my claim twice, but it's not entirely the fault of the company. I didn't understand that because there was a medication listed on my bill that was submitted (which was for pain after his neuter) that they were looking for a diagnosis on the claim form as well as the neuter and bordatella shot. I called customer service and they kindly explained it to me and we got it all sorted out. The customer service rep was very nice and professional & even after having to submit it twice it still took less than a week for me to be reimbursed. I would definitely recommend Pets Best to my friends and family.
5

out of 5

POSTED: | BY: John Ussery

Dakota Bone Cancer

I am very pleased with the recent processing of my claim. I submitted all of the invoices at one time under one claim. They covered invoices from 3 different doctors and/or hospitals plus medications from a local Costco. Pets Best sorted it all out and funded the claims as if they had been submitted individually. Pets Best covered a full 80% of the cost including the medications. They performed per their advertisement as when I initially purchased the Pets Best Insurance [Pets First Plan]. Prior to signing on with Pets Best my dogs, 3 or 4 of them over the past 10-12 years were insured with another company that advertised a pay out of 75%. When Dakota had lung torsion at age 4 the claim was several thousand dollars and the insurance only covered approximately 25% of the total claim. Thanks Pets Best. I have another Bernese Mountain Dog that just turned 6 mos and I will be applying for Pets Best Insurance shortly. Thanks again Pets Best - John U.
5

out of 5

POSTED: | BY: Paula Doxey

We love Pets Best!

I have had pet insurance before, but decided to try Pets Best. They customer service was excellent, they walked me over all the steps on the phone and even emailed me my claim form with most of the info filled out. I adopted a Standard Poodle from a shelter, and I have had to use the insurance to cover a thyroid issue and an infection issue, both costly and the insurance helped me immensely. I would recommend Pets Best to a friend!
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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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