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: Beth

Pets best gave my dog extra time

Pets Best gave my dog 10 1/2 extra months. he was diagnosed with cancer and only given 3 months to live. Read his story at http://fightcaninecancer.wordpress.com/80% payment and turnaround in 10 days really helped my finances
5

out of 5

POSTED: | BY: Tracy

Fabulous company - highly recommend!

My girl Precious(Anatolian/golden mix) had 2 mammary tumors removed, and they ended up being cancerous. Knowing I have a great insurance plan makes it easy to make the decision on her care. Over $1900 in charges, I received almost $1500 back fairly quickly. Thank you PetsBest!
5

out of 5

POSTED: | BY: Judi

Wonderful insurance

I've had 4 claims over a 3 year period with Pets Best. It has been easy to file claims, and they have always covered the entire bill without question, minus my $75 deductible and 20% copay. Last year I got back the premium amount because of one foxtail-in-the-nose incident (ouch) and a concern that Hannah was losing weight, which necessitated blood tests. For the foxtail, I had to take Hannah to 2 different vets because it didn't look like the first vet solved the problem. They waived the $75 deductible on the second visit because it was considered the same incident. I was so pleased, this year I purchased insurance for my new (to me) second dog, Roxie. She was clawed by another dog about 10 days ago and had a big incision. Again, they covered it promptly. Unfortunately I didn't have pet insurance for Roxie when she developed nerve cancer right after I adopted her--so I paid for treatment myself. And although her policy considers nerve cancer a preexisting condition, it will cover her if she develops another kind of cancer. It's nice to have the peace of mind that the girls will be covered for unforeseen illnesses and injuries, especially as they get older. Roxie is 8 and Hannah is 11.
5

out of 5

POSTED: | BY: Dennis

Thanks for quick service

Pets Best always responds quickly to my requests for payments and pay fully. Thank you for the expedient manner in which you took care of Buddy's emergency hospital visit and follow up care.
5

out of 5

POSTED: | BY: Lillian

Simple and Reliable

Documents needed for visit very easy to download. Very easy to fill out. Not drowning in paperwork is much appreciated. The vet hospital faxed in the claim, and about 10 days later, got an email saying, the check is on the way. Pretty simple. On a 178.00 bill, I am reimbursed 63.00, and no other song and dance required. I'm a fan of this insurer because they paid out exactly the way they said they would. To the letter.
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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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