Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 14,119

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: Todd V

Exceeded expectations

My dog tore his ACL a year and 2 weeks after I got insurance through Pets Best. I had no idea that this type of accident wasn't covered for the first year (who reads the fine print?) but they responded to my claim in less than a weeks time sending a check along with a hand-written greeting card wishing my dog a speedy recovery! What more could you ask for?
5

out of 5

POSTED: | BY: Abby

Speedy!

Both my kitties fell ill, one right after the other. You can just imagine having veterinary bills racking up for almost a month, between their illnesses and hospital stays. Thank goodness for Pets Best, since I knew I would be able to recoup at least some of the costs incurred from their illness. I was really impressed by how fast the claims were processed, how easy they make it to submit the claim and the on-going notifications of the status of the claim.
1

out of 5

POSTED: | BY: B. Brown

they try to find loop holes to deny your claim

watch out for these people. they are still insurance people. they will try to find any loop holes to deny your claim! i took my dog in for a emergency visit cause of pain somewhere. obviously my dog was experiencing pain somewhere so i took him in. i filled out all the paperwork as their website posted only to find out that they had denied it. apparently i didn't check the box that was associated with "previous condition or not". it was a ER visit! ofcourse it wasn't previous! it was the first time my dog had behaved that way! if they had read the medical report that was also submitted with the claim, then it would have been perfectly clear! but i guess they have a bunch of dumb auditors.... good luck if you have Pets Best! this is my personal story and just wanted other people to know!
5

out of 5

POSTED: | BY: Emily Barry

Only the best for my boys.

Most pet insurance companies have set reimbursements for certain things...but Pets Best does not, which means my boys will always be able to get the best of the best. My dog, Cooper, ate a palm nut right after we moved from Colorado to Fort Myers Florida and got extremely ill. Luckily I had Pets Best insurance for him and they reimbursed most of the expenses for his several day hospital stay and er visit which included specialists care. Sadly enough I think my boys insurance with pets best is better than my health insurance.
5

out of 5

POSTED: | BY: Patricia Cates

Awesome

I was so fortunate to have bought the insurance for my Honey, her surgery and chemo was covered till it was over, I would have been "lost" without it. What a blessing.
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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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