Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 15,145

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

POSTED: | BY: Cary

Very Fast!

My girl was very sick and I took her to the vet. I filed my first claim that evening, it was accepted in processed in less than 24 hours. I then had to take her to the hospital, which was very expensive, she spent two nights there. I filed the second claim when I was picking her up and it was accepted and processed again within 24 hours. I received payment both times and less than one week. Overall an amazing experience with Pets Best!
5

out of 5

POSTED: | BY: Nuria

So grateful for Pets Best

I am super happy that I got this insurance. It has saved me a lot of money and given me a lot of peace of mind when my doggie has gotten in trouble. I highly recommend it.
4

out of 5

VETERINARIAN: Central Animal Hospital of Stoneham

POSTED: | BY: Kim

Efficient claim process

The process to submit the claim for the services received for my dog has been efficient, easy to upload receipts online and fast response on the status as well as direct payment to my account. The explanation of benefits covered is clear, although would like to see a higher amount for coverage under the wellness plan given the cost of the quarterly insurance payment, specially for healthy dogs that are current with all of their vaccinations. Other than that PetsBest has been great!
5

out of 5

POSTED: | BY: Glynda Newton

Quick turn around on claims

My dog had a medical emergency and went to the emergency vet. The visit resulted in surgery. I did my claim thru the app once we were home recovering. It was so easy. My claim was processed in 5 days, that is faster than human health insurance! I highly recommend Pets best pet insurance. When I have had other claims, they keep me posted on the status until processed and the claim closed in a timely manner.
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3

out of 5

POSTED: | BY: Red

The house always wins

This is a massive insurance company privately owned by a large holding company. Like all insurance companies, the goal of the corporation is profit. While competent, professional, and reliable, don't count on Pets Best to put your interests first.
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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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