Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,898

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: Croix Valley Veterinary Hospital

POSTED: | BY: Daniel

Claims

I have had Pets Best Insurance for 8 years and have been quite happy with them. Processing a clain is easy. I have encountered a delay in claims processing very infrequently.
5

out of 5

VETERINARIAN: Roose Animal Hospital

POSTED: | BY: Angela

Insurance claims filed as expected! No issues!

We got a puppy last summer and after a ton of research, I went with your company. I did read a lot of negative reviews lately about timely claims on FB pet insurance groups, but I found no issue. My pup had skin complications post neuter and a week later came down with a violent episode of vomiting and diarrhea. Lots of bloodwork, fecal, and meds prescribed to discover he had parasites (even tho he was dewormed and up to date on everything!). I am someone who read the policy and understood it prior to ever purchasing. There was no fear that this wouldn't be reimbursed after we hit our deductible and everything was processed as I predicted and very quickly. Very glad I chose pets best and have insurance on him moving forward! I was eager to get care for him as I knew it wouldn't cost us a fortune.
5

out of 5

POSTED: | BY: Josh

I feel taken care of.

This company seems to take care of their customers, every time I submit a claim, they get back to me in a reasonable timeframe. It’s nice having a pet insurance company that I can trust and they seem to honor the policy without a bunch of hoops to jump through. Nice job.
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5

out of 5

POSTED: | BY: Dog mom

It was an non stressful experience I…

It was an non stressful experience I submitted the vet bill they reviewed and paid the claim wish everything was this easy
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1

out of 5

POSTED: | BY: Frustrated Dog Mom

Looking for a new insurance company

Many of the reps reviewing my claims will take 30+ days to process then with no heads up deny it so I have to resubmit. I've had to submit many claims with the Same information multiple times. It's incredibly frustrating and you all bank on customers giving up. I won't I am owed money and I'm discussing with an attorney
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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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