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

VETERINARIAN: Swansea Veterinary Center

POSTED: | BY: Nicole

I love pets best!

Pets Best has made being a responsible dog owner much easier. Their app is very easy to use. I am able to upload all the documents quickly and easily. I always receive a decision within a few days. When applicable the reimbursement check is sent out swiftly as well. Great company!
1

out of 5

POSTED: | BY: Kevin

PetsBest denies claims that should be paid

RUN, don't walk. They talk a good game and will cover a lot of things, but if you pet has EVER been sick with ANYTHING, they will use it as a bogus reason to deny coverage for completely unrelated illnesses years later. Our vet vouched that our cat's symptoms were not a pre-existing condition, but in their infinite, greedy wisdom, they decided from their little insurance desk that they knew better. Ultimately a scam!
4

out of 5

POSTED: | BY: Cameron Sells

Not my best experience with Pets Best, but not bad at all

I usually process all my claims through the app on my phone, but for some reason I was not able to do so for this claim. The extra steps to get the claim submitted were a little annoying, but not actually bad. The fact that I had no way to determine if they had even received my claim also stressed me out a bit, but they claim did get processed and I was notified once it was. 4/5 simply for the extra work and not knowing the status of my claim easily, but overall I still like the service provided by Pets Best.
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4

out of 5

POSTED: | BY: G. Albert

customer service was helpful and…

customer service was helpful and timeline for the reimbursement was pretty good overall.
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5

out of 5

POSTED: | BY: V

Great Experience, pleasantly surprised!

Our Cat Mila was still very young when she suddenly developed a severe neurologic episode and was diagnosed with meningoencephalitis. It was completely unexpected and quickly turned into specialty ER/neurology visits, an MRI, follow-up rechecks, and ongoing medications — a stressful situation in every way. When I originally shopped for pet insurance, I honestly didn’t have a lot of faith in any provider, but Pets Best felt like the best option overall. I’m really glad I chose them. Submitting claims was straightforward, communication was clear, and everything was easy to track. I filed multiple claims using itemized invoices and medical records from the specialty hospital, and all of my claims were approved within about a month. We received around $5,000 in reimbursements, which made a huge difference and let us focus on Mila’s care instead of worrying about costs. Based on my experience, would definitely recommend them!
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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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