Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,171

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.
4

out of 5

VETERINARIAN: North Star Animal Hospital at Estrella, PLLC

POSTED: | BY: Lynn Henderson

Pet’s Best

Good company, always pay the claims, but the processing time was horrible. It was six weeks from the beginning of the claim until I got paid. However, that has recently improved within the last several months and things are going pretty quick. I’m not sure what changed, but it has been a big improvement in processing claims time
5

out of 5

VETERINARIAN: Valley Cottage Animal Hospital

POSTED: | BY: Frank Campana

Pet's Best makes Pet insurance worthwhile & easy

We've had Pet's Best Insurance for our last 2 Labs. They are great to deal with. Our current Black Lab is healthy and we've only had a few claims, which were easy (as you would expect). Our Chocolate Lad was diagnosed with Epilepsy at 2 yrs old. Then contracted a rare form of cancer at age 5. He put up a valiant 2 yr fight but ultimately succumbed. But having Pet's Best insurance made things so much easier by making the financial burden manageable. Not o mention they ALWAYS paid. No questions asked, unlike my human medical insurance! Pet's Best is A++++++ in my book!
5

out of 5

POSTED: | BY: Jamilla Hyatt

One less stress

My cat has been suffering a long respiratory illness. It's been stressful but one thing that's been easy is filing my claims with Pets Best. "
4

out of 5

VETERINARIAN: Summit Veterinary Services

POSTED: | BY: Alex Vassilatos

Pets Best came through when I needed them to.

Pets best is a great insurance as it considered my Pets health and with today’s veterinary prices, it’s a great help in meeting our pets medical bills. I highly recommend them.
5

out of 5

POSTED: | BY: Kellee Notch

Pleased and relieved for our wallets and cats! 😽😼😻😸

Saving money and much happier! My three adult cats have been on Nationwide for many years due to an employment discount, and we just got distributed a fourth from the universe — a six week-old kitten this time. Nationwide has actually been fine for us, but just fine. Customer service is great, but It's pricey for the coverage while not standing out as really having more benefits than others, so I was shopping around. We LOVE that the pet insurance umbrella debuted and is just as pleasant as our auto & renters experience that we've had for about ten years now. They have a 24/7 vet/nurse assistance line which is amazing, a multi-pet discount which is very fair, and a few different options for coverage that I was able to customize for each cat. My lazy senior has the illness-only plan. The other two (both 7) have both accident & illness, and our kitten has the accident & illness PLUS the BestWellness Routine Care reimbursement add-on. We've been easily reimbursed for neutering, vaccines, etc. We'd burned twice by two other orgs for our kitten, Tr*****on and Me***fe. T******** was a mess from day one, so again, we're extra happy with this outcome. Love you, PetsBest. Thank you! - K & A 🐾 Tommy, Maui, Newt, & Oliver

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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