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.
3

out of 5

POSTED: | BY: Kelly

Unclear terms and no changes allowed

I signed up from this site and purposefully selected Pet's Best because it said they cover exam fees. When I clicked through to their site it did not give me any option to select additional coverage for exam fees, so I thought it was included. In fact, there was very little info on the policy itself provided until I paid. Then I got an email saying exam fees were not covered. So I called a couple of days later to add them and I was not permitted to because my dog had a vet visit during that time, even though that visit wasn't going to be covered anyway since it was during the waiting period. They did process my cancellation and refund quickly. I have since signed up with another provider and they allow changes up to 14 days after the policy is started. Also good to know this provide requires you to call them to make any policy changes, unlike others which have online options for customer service.
1

out of 5

POSTED: | BY: Kumite E

Terrible Pet Insurance Company

Very unaffordable after a couple of years. I cancelled them when they increased my policies over $1,000 in one year and they also didn't cover items they had previously covered. I believe that was due to people not being properly trained. One time I submitted a claim for medication and they said food was not a covered item. It was a medication they had previously covered many times. Terrible company.
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5

out of 5

POSTED: | BY: Linda

My 1st claim

I recently adopted a 7 month old dachshund and took him to the vet for tick treatment and an overall check. I submitted the claim and was pleasantly surprised how easy and fast the process was! I very happy I chose Pets Best pet insurance!
5

out of 5

VETERINARIAN: Nippers Corner Pet Medical Center

POSTED: | BY: Cynthia

Puppy Wellness Visit

"Filing the claim was very easy. The claim was processed quickly and payment was received in a timely manner. Details of what was covered and was was not were provided and very well explained."
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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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