Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 14,111

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.
1

out of 5

POSTED: | BY: Trish Drage

Disappointing experience

After their systems were down still took a week to get claim filed. Another long stretch before I received email saying it was being reviewed. When I was notified that claim had been processed there were numerous deductions for amount or things not covered. Service levels and claims processing, payment has declined significantly over past year. We cover 2 dogs on our policy, seriously considering another provider.
1

out of 5

POSTED: | BY: Samira Clements

Not worth it

Find a better insurance
2

out of 5

POSTED: | BY: Kmac

Where is the value?

Having worked in the insurance industry for 5 years many years ago, I have a basic understanding of how the “system works”. In our case, we are paying $981 annually - submitted $697 in claims over 3 years and Pets Best has only paid out $200. Where is the value?
5

out of 5

VETERINARIAN: The Animals' Hospital of Levittown

POSTED: | BY: PATRICIA Comer

Veterans vlaim

Very happy with Pets Best! Easy to file and nice to save on expenses
5

out of 5

POSTED: | BY: Alonda Tibbitts

Emergency Vet Visit

My dog got sick out of nowhere and we had to take him to the emergency vet - which can be so expensive, but we were afraid to wait until his vet opened in the morning. He received diagnostics and care to rule out anything that needed immediate action and we were able to get him to the vet that knows him best the next day. Pets Best makes this kind of immediate care for our boy possible! I was able to upload the bill from both visits to make my claims and it was very simple and handled quickly. Thank you for helping us afford to care for our dog like this!

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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