Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,573

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: Erin

Easy, Helpful... So Glad We Have Pets Best

I've had Pets Best insurance for about 3 years now and with an active dog, we've had about a claim per year. Each has been resolved quickly and easily (their website is great). The one time I did have questions, the customer service person I spoke with was knowledgeable and pleasant. Our vet even mentioned that Pets Best is her favorite insurance provider to work with. I've been very pleased.
5

out of 5

POSTED: | BY: Carolyn

Excellant insurance company

I have had Pets Best for a year. I had 4 cats and 4 dogs. They were the only insurance company who were affordable and would insure my old pets. Two of my dogs are geriatric and have complicated medical histories. Pets Best has been great at sorting out the coverage and paying me promptly for all of my claims. I highly recommend Pets Best. My claims are paid within two weeks.
5

out of 5

POSTED: | BY: Lilian

Excellent service

I have 2 senior cats covered by Pets Best Insurance. One of my cats was diagnosed with hyperthyroidism. Meaning lots of visits to the vet and several blood tests. I'm so glad that I have Pets Best protection...claim process is very easy and you get your reimbursement in just a few days. I very much recommend Pets Best!!!
5

out of 5

POSTED: | BY: Sarah

Pets Best provides superior service

I purchased pet insurance about four months ago for my dog because I thought it would be a smart decision even though there was no pressing need. My dog is only a year and half old and in great shape. Through the last few months I have only filed wellness claims for annual exams and shots and the experience has made me so happy of my decision. Pets Best insurance has handled all my claims incredibly fast with no unnecessary hassle. They have continually kept me in the know about my claim through e-mail, even though my claim only took two days to process. I would recommend them for anyone who wants the peace of mind of pet insurance and wants an insurance provider that is professional, speedy, and helpful. Also, the customer service over the phone is awesome, if case anyone has questions and would like to speak to someone.
2

out of 5

POSTED: | BY: Mark

Got me on theold "180 day clause".

Max my short haired tabby swallowed something that didn't agree with her. She spent two days at the Tufts animal hospital. She had IVs, oxygen booth and other assorted goodies. The bill ran about 1K. I thought my wife had filed the paper work, but I found it when getting the tax stuff ready. So Isent in the paper work...They processed it very quickly and disallowed the claim because it had been longer than 180 days past the treatment date. My fault. The good news is that after being with them for almost two years I had paid more to Pets Best than the claim. I'm leaving them and opening "Health Savings Accounts" for each of my three (two cats and a dog) animals. Morale of the story - Check your policy's limitations. Filing deadlines are not even mentioned on most of the pet insurance sites. More importantly - If you can leave the account alone, you might be better off with a savings account for your pets.
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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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