Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,572

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.
2

out of 5

VETERINARIAN: Superior Animal Hospital

POSTED: | BY: Steve

great coverage, if you can get a claim processed

Moving into my second policy year. I had a claim for an unexpected tooth removal during the annual cleaning. Submitted the claim and 3 weeks in the insurance company requested more documents from the veterinarian. I confirmed with the veterinarian that they had been sent, but the claim was closed with no payment and stating they needed more information. I called the insurance company who confirmed that they did not receive anything. I then called the veterinarian who said they had sent it but then recent it to me directly. I uploaded the documents to my policy and immediately called them back to reopen the claim. This was over a week ago and I have yet to receive any notification. It's now been over 5 weeks and nothing has been done. This was my first experience with using this policy at pets Best and I must say unfortunately I am disappointed. I have had pet insurance for almost 20 years now and never had this difficulty or this long of processing for a claim.
1

out of 5

POSTED: | BY: vnc

Filing a claim is the easy part….

Getting a timely response is a whole other matter. Claims are taking longer and longer to process. When status inquiries are made, canned and lame “we’re sorry for the delay” replies are automatically issued — with no projection of how much longer it will take to receive a reply/decision. I’m shopping around for another carrier. I’ve had it with pet’s best. They’re just another sad business doing its very best to be barely mediocre.
5

out of 5

POSTED: | BY: Maria

Maria

Very pleased. Received reimbursement as expected.
2

out of 5

POSTED: | BY: Don

Slooooow

I have been a customer with several pet insurance companies. Pets Best is, by far, the absolute slowest to complete a claim. I always get several emails apologizing for "delays". It's just poor, slow customer service.
1

out of 5

POSTED: | BY: Alla Rozenberg

Good luck getting reimburments

When it comes to paying - they will use every excuse not to. Cleaning anal glands because my dog is scooting in pain - cosmetic procedure. Getting his ears cleaned because he has an ear infection - cosmetic procedure. In the meantime, they feel no qualms with tripling insurance costs.

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 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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