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: Bernie

Absolutely Fantastic!

I've had my companion animals insured by other companies; however, they, like many human insurers use a schedule of fees and payments. Pets Best does not. They offer a flat rate of 80 percent of balance, after deductible (in our case $100.00) and a 20 percent co-payment. No schedule of fees, no denials unless for preexisting condition at time of enrollment. A recent, sort of miraculous example of their promptness occurred when I submitted a bill on Thursday night for nearly $700 for chemotherapy for my one of my cats. The very next day I received an email stating the claim had been processed and I'd have the reimbursement deposited to my account the next business day (the following Monday). That's a total, including the weekend, of less than four days to get payment. Monday morning showed a Pets Best deposit of nearly $600 in my bank account. Got to say my relationship with this insurer is the best. Now if they can only get the veterinarians to accept direct payment in full for their services... What a miracle that would be.
5

out of 5

POSTED: | BY: Rachel

Good coverage

I have had this policy on my now 20 year old cat for about 6 years now. This is the first year that I have had the occasion to use it. I actually called them to ask about coverage about a recommended procedure, but their representative was very helpful alerting me to the fact that her last visit that was covered. This was a nice surprise. Recently, my kitty had a number of very serious issues. When I agreed to pay the emergency hospital about $3000 for her weekend treatment, I did so with great fear. I wondered if now I would find out the worst truth about my policy. Thankfully, there were no loopholes and no problems getting paid. They have continued to pay a number of high dollar amount bills. I am very grateful that I found this company and bought this policy so many years ago.
5

out of 5

POSTED: | BY: Amber

Pets Best is the Best!

I cannot say enough about this company- they have always paid in a timely manner, and I have never had to dispute claims made on my dog (something that cannot even be said for my own health insurance!!). My dog had the same stomach issues for 5 months straight. I was scared they were either going to drop me or stop covering repeat issues, but they didnt. They are a company that truly stands behind what they say they are going to provide! My vet also highly recommended them!
5

out of 5

POSTED: | BY: Cheryl

Absolutely love this company!

I've always been skeptical of pet insurance companies as I've been told for years that they never really pay when you need them. Because I have two large dogs, however, I carried the insurance for 3 years just in case. Recently my 6 year old labradoodle tore his ACL and required surgery (very expensive surgery, I might add) and I'm happy to report that not only did Pet's Best pay 80%, but they processed my claim in 2 days. I couldn't believe how quickly I received payment! I can't say enough good things about this company, and would strongly recommend them to everyone.
5

out of 5

POSTED: | BY: Joyce

Very Prompt and Easy

My dog was recently diagnosed with cancer and has been receiving treatments, many of which are quite expensive. When reading that my insurance would cover 80% of "reasonable and customary" charges, I figured I would receive less than 80%. Not with Pet's Best. They have promptly paid the full 80% of all charges, except some minor hazardous waste fees. There have been no arguments, no asking for further information. The claims process is easy and I have received my refunds within 10-14 days. Even better, they offer direct deposit so no waiting for checks. I highly recommend them!
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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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