Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,149

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

POSTED: | BY: Pebbles R

Unfortunately I cannot recommend

Unfortunately, I have not always had the best experience with Pets Best. First I have two dogs and their premiums go up extremely high every year. Mind you I’ve had them since they were puppies and they’re now seven and nine. Submitting claims has been an issue now for over two months for the system is always down. Yesterday I even went as far as trying to email three times and I was told that the emails for claims currently being reviewed are backed up through October 31. Today is November 7. In addition reimbursement takes forever. They say it takes two weeks. I’ve actually waited on an average 6 to 8 weeks to be reimbursed and it gets very costly when you have two dogs that are going in and out of the vet for a vaccines for illnesses for wellness visits, etc. if my oldest dog didn’t have a pre-existing condition, I would definitely not go with Pets Best again.
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5

out of 5

POSTED: | BY: Anastasia Spytsya

Truly the Best. I swear by PetsBest.

My Chunk is 5 years old now and I have had him insured with PetsBest since he was 8 weeks old. I honestly think getting this insurance was one of the best financial decisions of my life. We have been through 7 surgeries (he's an English Bulldog) and endless food-related allergies flare-ups (I mean, ear infections, skin infections, etc.). We have also been to a ton of different vets in different states (doggie dermatologists, doggie eye doctors, doggie surgeons) and NOT ONCE was my claim denied, and NOT ONCE did I have A SINGLE issue. I think I maybe had to call customer service like once since getting this insurance. You just go to the vet, worry about the best vet care possible, get your receipt, submit it, and within 20-30 days you have your reimbursement. If there's a delay in reimbursing you - they always send a follow up email telling you basically, "hey, so sorry we are taking longer than usual, but we haven't forgotten about you!" I highly recommend PetsBest. I think I have recommended at least 5 people to them.
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1

out of 5

POSTED: | BY: Margarida Jorge

This is the worst pet insurance I've…

This is the worst pet insurance I've ever bought. Don't waste your time and money on Pets Best, especially with so many other options out there. The premium was outrageous--over $200 a month for illness and wellness policy. And even with those policies, the insurance refused to pay nearly all the claims even those that were for services listed in their policy. They use "pre-existing condition" to justify claim payments just like people insurance companies used to do before the federal government outlawed discrimination based on pre-ex. Pet insurance is completely unregulated and this provider takes full advantage of that fact to scam consumers into paying for coverage they will never be able to use. It's disgraceful.
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1

out of 5

VETERINARIAN: Healing Paws Wellness Center

POSTED: | BY: Christine Daniels

0 stars

Best Pet company will try to wiggle out paying a claim even though you send them a receipt and all the info they need. The Reason? : The vet” didn’t respond to requests about Daisy’s medical history. …they tell you there is no need to contact the vet. They will take care of it. I do NOT recommend Pets Best insurance.
5

out of 5

VETERINARIAN: Willingboro Veterinary Clinic

POSTED: | BY: Susan Spitz

My Old Dog

"My almost 14-year-old Shepherd mix has needed to go for more vet appointments as he ages. I can always count on Pets Best to have our back. I don't need to worry about getting health care for my boy due to cost. Pets Best takes the stress out of an already stressful situation when your best friend needs vet care. "
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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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