Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 15,698

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: Paula

Thank you so much

Our golden retriever has metastatic cancer, but the chemotherapy is helping him live a fairly normal life until his time is up. Because of Pet's Best, we can keep him pain free and able to breath. He wasn't sick enough for us to just put him down, but with reimbursement for 80% of the treatment, we have peace of mind. We did not wait too long for the reimbursement and they were very fair.
5

out of 5

POSTED: | BY: Sally

Thank you

My rottwieller, Franni, collapsed suddenly on Friday, June 26, 2015. My regular vet was closed as it was evening and we had to take her to an emergency hospital. Since it was an emergency and we did not know the vet we had to put a large deposit before they would treat her. Everything possible was done for her but she passed away early Saturday morning. When I called Pets Best they were so kind and talked me thru the claim process and called me several times to let me know everything was being processed.the claim was settled today, July 9,2015 Sara was an angel, she was kind and compassionate and I will use Pets Best when we rescue another Dottie.
5

out of 5

POSTED: | BY: Laurel

So Happy with Claim Process and Reimbursement

Great service. Easy claim submittal process and fast review and reimbursement. Thank you.
2

out of 5

POSTED: | BY: M.

Good...At First

I have been with this company for over 7 years now - ever since I got my dog. At first they seem very reasonable. They process claims quickly and the prices are budget-friendly. At first. BUT, after about the fifth year they began to raise their rates dramatically. They say it has to do with industry standards, age of the pet, location etc. They offer higher deductibles to try to compensate, but they do not offer any sort of loyalty pricing for customers with them for any length of time. If you do choose this company for your pet ins. needs be prepared to get HAMMERED after the first few years. They get you comfortable with them and then its all bets are off. Feels a lot like bait and switch. Would not recommend.
5

out of 5

POSTED: | BY: Deborah

Such a Relief -- Made a Huge Medical Bill Go Away!

My little dog had over $5000 in medical bills. The best medical care could not save her life, but I cannot say what a relief it was when Pets Best accepted EVERY SINGLE PENNY of this enormous claim. I had a deductible and co-pay, but the payment on the claim was still over $3700. It was very hard losing my dog -- it really helped knowing I did the best I could for her. I have room in my heart to get another dog soon. Now I also have room in my bank account. Thank you!
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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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