Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 14,121

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: Dan

Stress Free Claims Process

My first experience using my Pet Insurance was a stress free one. The claims process was done completely online. The claim was processed within one week. The policy covered 80% of the amount that was above my policy deductible. I have enrolled in the direct deposit option and this will expedite the reimbursement process.
5

out of 5

POSTED: | BY: Joel

Super fast claim turnaround time!

I took my dog to the ER last week for a liver problem that ended up costing about $1400 all said and done. Being so close to Christmas, I didn't think I would be able to purchase any Christmas presents for my family. I filed the claim with Pets Best, and I literally got my reimbursement 3 days later! I coulnd't be happier with this company. They never deny any of my claims, and are very fast with reimbursements. And most importantly, Christmas will be extra special with my dog Rascal being healthy, and being able to buy gifts for my family. Thank you again Pets Best, and I will reccomend you to friends and family!!
5

out of 5

POSTED: | BY: Danielle

It's the BEST

I started with Pets Best many years ago with my first hearing assistance dog and was very impressed with their service when I needed it as she aged. When I received my second service dog, I decided to insure him even though he was not yet two years old. I did not expect to file any claims for years to come... but life is never as expected. He has developed allergies that often result in staph infections requiring expensive antibiotic treatment. Pets Best has been wonderful, quickly processing claims and being extremely helpful when I have questions. His last claim was processed in just several days. I'm glad I did not wait until he was older to insure him with Pets Best
5

out of 5

POSTED: | BY: Kelley

I love Pets Best!

I have worked in veterinary hospitals for 17+ years and have delt with alot of insurance companies. After alot of research, I chose Pets Best for my 4 Great Danes. They couldn't be better!!! Easy to understand forms/criteria, knowledgable employees (yes, you talk to a person), quick and efficient payments. I recommend Pets Best to all of my clients and friends!
1

out of 5

POSTED: | BY: Donna Lewis

Nothing but a scam

I have had Pet Best Insurance since January 18, 2010. My dog, Donald tore his ACL in his rear leg while I was volunteering at a Best Friends Big Adoption Event on November 7, 2010. Their policy is which states "in most cases the acl tear is not paid until a year into your policy. They denied my claim two months before my year. They did not even offer to pay a portion of it. I've been paying for nothing! Your customer service rep was rude to where it was hard for me to stay calm. Donald is my family and we were both treated like dirt. My vet even recommended Pet Best to me. I will not recommend Pet Best to my worst enemy. Matter of fact I will write to the LA Times and to the TV news to have them investigate all pet insurances starting with Pet Best. I will also let everyone I meet at all the adoptions I volunteer with and all the dog shows how terrible you will be treated if you get a plan with them. I will tell anyone who listens to me how bad you are. If you do not want to pay any ACL's the first year of the policy ......get rid of the "in most cases" phrase. Donald is my fourth cairn and ACL's are not common with cairns.
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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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