Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,145

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: Sunny

Very Positive in the past 3 years

Easy to submit claims (fax) and quick reimbursement (usually receive reimbursement checks minus deductibles always arrive within 1 week or to 2 weeks after the claim form is submitted). Example: One of our dogs was stunk by a bee when we were out of town. We found an pet emergency center and the claim went through without quickly. We got the reimbursement within a week. Policy is straight forward and easy to understand. Their staffs are also extremely friendly. Note: I don't have the routeine care coverage for both of my dogs.
5

out of 5

POSTED: | BY: Christine Boyd

I love Pet's Best

Pet's Best made an extremely difficult time a little bit easier for me & my pet. My girl went blind due to a mass on her brain. She saw many specialists, required an MRI along with many other advanced tests and very specialized radiation treatment. Pet's Best paid 80% of all of the charges after my deductible and I always had a check in hand within 10 days of submitting my claim. They even paid for her cremation when we lost the battle with the mass. I cannot say enough good things about this insurance. All of my dogs & cats are covered with this plan. I only wished they offered coverage for my bird and two horses. I have referred many friend's.
5

out of 5

POSTED: | BY: Denise

Friendly and Speedy

Pets Best employees are very customer friendly. I never feel rushed or do they seem irrated at my questions. The whole process for submitting a claim is easy and speedy. Thanks, Pets Best for the awesome customer service.
5

out of 5

POSTED: | BY: Maarcia Walden

Pleasantly surprised!

Great customer service and quick turnaround with payments. I recommend them to my friends all the time.Thanks Pets Best!
5

out of 5

POSTED: | BY: Tara Devlin

Pet's Best Saved My Cat's Life

To make a VERY LONG story short... after "spots" were discovered on my cat's lungs, a test came back from the lab with the diagnosis of "possible Lymphoma." I took Francis (my cat) to the oncologist vet, and going off the same report and xrays, gave me some grim news. Francis may have a year to live... if that... He seconded my vet's opinion - give him steroids and love and take it a day at a time. After some months of giving him the steroids slow down the progression, it seemed that it might be time to get more aggressive with the disease – or put him mercifully to sleep. But before I could make a truly informed choice of what to do, in good conscious, I HAD to find out exactly what kind of cancer we were dealing with, if there was any hope - and if putting him to sleep would be the right decision. The only catch was, the required tests were VERY expensive, but I said to myself, "this is why I have insurance for him, right?" Well... when the more expensive and extensive test results came back, it was discovered that the initial lab report was WRONG! Yes, Francis had spots on his lungs, but they were from a lung infection - NOT Lymphoma. I was upset that, because of a dodgy lab report, my poor little cat had to suffer with a treatable illness for almost a year - but I was also relieved that the illness was curable with a month of antibiotics. I can imagine that many pet owners in a similar predicament might choose to simply euthanize their pet,

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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