Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,171

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: Kae Chen

Extremely easy claim process

I was so worried about having to pay for a large emergency surgical bill up front. I didn't have time to reach out to insurance since my dog was suddenly paralyzed in his back legs. I put the $9k deposit on my credit card to rush my dog to emergency surgery -- I crossed my fingers that insurance would cover it. I've read some horrifying stories about claim delays and rejections so I was a bit anxious. However, I cannot recommend Pets Best enough. They're significantly cheaper than all competitors for the same coverage and approved my claim in just over a week from submission. Not a single line on the invoice (from medications to the operation) was rejected from coverage. Pet insurance is something you buy and hope to never use. Thankfully, I had Pets Best during what was one of the most traumatic experiences for me. I've read too many heartbreaking stories of people having to put their pet down because they couldn't afford care. I'm glad that I wasn't in that position.
5

out of 5

VETERINARIAN: Oregon Veterinary Referral Associates

POSTED: | BY: Heather Robison

Great Pet Insurance

"My Siberian had TPLO surgeries on both knees and PetsBest covered BOTH knees which a lot of companies won't do. I've been with PetsBest for many years and have never had an issue with them. My two previous huskies were epileptic and PetsBest insurance covered their medication, CT scans, and other medical necessities. "
1

out of 5

POSTED: | BY: Amber Martin

Stay away

We signed up for pet insurance a year ago. We got denied our claim the first time we had to use it. You are better off putting money in savings for pet insurance than paying for a corrupt business that chooses what it wants to pay. My dog had NO pre-existing condition. My dog got his first ear infection, and he was denied. Now, we lose money paying monthly pet insurance and a vet bill. Do you think they would offer us a refund? Absolutely not! SCAM SCAM: The best advice I can give is to avoid this company.
5

out of 5

VETERINARIAN: Warsaw Animal Hospital

POSTED: | BY: Roma Matthews

Best Pet Insurance Ever!!

I have a labradoodle that loves to eat absolutely anything! (including socks) He has already had 2 surgeries to remove contents from his intestines and stomach. The first surgery, we did not have insurance. We decided that since he loved eating everything, we probably needed to get insurance for him. After doing some research, we decided to go with and Accident & Illness Plan through Pets Best. They have been extremely easy to work with and have reviewed and paid, or applied to our deductible, every claim we have had to submit on our labradoodle. We highly recommend giving them a try!
1

out of 5

POSTED: | BY: Eduardo Barrera

Dishonest Denial: Citing Unrelated Incidents as Pre-Existing Conditions

1. We got my dog three years ago, and when he was a baby he ate some trash and threw up, so we took him for a quick vet visit that lasted maybe 30min. 2. We signed up for Pets Best 2 years ago. 3. Earlier this year he was diagnosed with a genetic immune system disease that affects his bowels, and he will need to be on immunosuppressants and other medications permanently. Pets Best denied over 30k in claims relating to this illness because of the emergency vet appt. 3 years ago, citing that he "had pre-existing conditions relating to his bowels." While I now know that Pets Best team is dishonest and fraudulent, I am hesitant to switch insurance providers because now he definitely would be entering a new insurance company with a pre-existing condition.
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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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