Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,169

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: John Scott

Simple approval process despite a rescue dog with preexisting conditions and multiple past vets

I just have to say that the claim review and approval process for my rescue dog, who had some preexisting issues at the time I adopted him that were treated by the rescue vets, was very straightforward and easy to document and upload to Pets Best. I uploaded my claims for the procedures she had at her current vet, uploaded her SOAP notes and medical records from our vet, and then as for supplemental documentation, I uploaded the entire medical records that the rescue’s vet had for all the treatments they did for her from the time they put her up for adoption until I adopted her and they stopped treating her. Uploading was simple through the app and website. And Those complete records helped because in less than a week they approved the claim and applied it to the deductible and issued payment for the rest without any need for further questions or documentation. Very simple and easy and a relief!
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2

out of 5

POSTED: | BY: CARY & AMY STEIN

You pay extra for wellness care?

You pay extra for wellness care, I feel the reimbursement should be slightly higher as prices at the Vets have increased, the reimbursement should be at some par to their increases. In my case I paid $800.00 and got a total back of about $115.00!
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5

out of 5

POSTED: | BY: Katherine Huet

Grateful

I am very satisfied with the Pets Best claim submission experience. I have had to file a few times, and each time, Pets Best has been very responsive and true to the policy. I was particularly worried about the most recent time I submitted because my cat had to go through an expensive surgery. I'm so grateful that I have Pets Best and was able to get a lot of the money back.
1

out of 5

POSTED: | BY: Ryle Robertson

Worst investment!

This company basically just steals your money every month for the premium and denies any claims you make, regardless of what they are. My dog had an ear infection, a fluke accident, and they denied the claim because they said it was a pre-existing condition. I don't understand how an ear infection is a pre-existing condition and even had my vet write a letter stating the exact cause of the ear infection and how it just happens in dogs from time to time, it wasn't caused by anything he's ever had previously and they denied both my appeal forms. They are greedy, won't pay for anything, and make the entire process horrible. There is no one to even call about discussing a denied claim, their call center doesn't know anything and can't give you any information as to the reasoning for the denial. They said there is no way to contact the appeals team directly which is just ridiculous. Do not get insurance with them, they deny everything and do not care about your pets, just making money off of you.
5

out of 5

POSTED: | BY: Emma Stickley

Boone’s ACL

A few months ago, my high energy 2 year old blue heeler named Boone fell off our back deck and tore his ACL. We got in to see a surgeon as soon as we could and were told a TPLO surgery was the best option. The overall process of attending pre-op visits, scheduling surgery dates, and 10 weeks of recovery have been pretty stressful, and we just wanted our dog to be healthy and able to run around and play again. Submitting my claim to Pet's Best insurance has been the least stressful part of this entire ordeal. I just uploaded my documents to my claim on my account and after a few weeks the claim had been completed with a full explanation of everything that was covered. I am truly thankful for this company for taking a weight off my shoulders during this stressful time. I plan on recommending them to every pet owner I meet. Boone is currently on week 4 of his recovery and doing great, hoping he can run in the yard and go on his favorite hikes very soon!
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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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