Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 14,119

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: Young Choo

Make sure it’s right for you

Our dogs are generally healthy and haven’t had any big issues. However the denial claims have been more frequent than not and they automatically disqualified our golden retriever for anything related to hip dysplasia and denied our rescue mix for a wellness benefit without cause. I have regrets having been with Petsbest from the start. Our GR’s premiums is now 400 a month which is the same as mine! A 100 dollars a month increase from last year. We are likely to now cancel our insurance with Petsbest. I am disappointed that we have to do this.
5

out of 5

POSTED: | BY: Jill

I wasn’t sure if the claim would be…

I wasn’t sure if the claim would be accepted but it was. The coverage is great. Thank you.
5

out of 5

VETERINARIAN: Myrtle Veterinary Hospital

POSTED: | BY: Michelle Sue

Pets Best js AWESOME

I recently filed 2 claims one for a vet visit and one for flea treatment medication. One needed some explanation but it waa easily done. The checks arrived promptly.. i highly recommend Pets Best !!!
5

out of 5

VETERINARIAN: BluePearl Pet Hospital

POSTED: | BY: Kelley Johnson

My Pets Best Insurance Experience

"I had never purchased pet insurance before. However, after my dog had a very expensive illness, I decided it was time to try it. I researched veterinary insurance, & Pets Best was one of the top 5 rated companies. I chose Pets Best for a couple reasons; my senior dog (15) could be covered, there were a variety of options with regard to coverage, premiums, & coinsurance, & the website was very user friendly. After my dog had been covered for approximately 10 months, she was diagnosed with a very aggressive lymphoma & had to be euthanized less than 2 weeks later. I submitted the vet bills online. Processing took a couple weeks, but I received emails during that time, keeping me updated on where my claims were in process. Also during that time, my quarterly payment was automatically charged to my credit card, a couple of days after my dog had died. I knew I had to call to cancel the policy, but I was so grief-stricken that I just didn't care. I was willing to sacrifice a couple hundred dollars to delay having to deal with it. It turned out that I didn't have to sacrifice the money or make the phone call. A few days later, I received an email from Pets Best expressing condolences for my loss, letting me know that my dog's policy had been cancelled as of the day after her passing, I would be refunded that quarterly premium, and also refunded the pro-rated portion of the previous quarterly premium. I can not begin to express how grateful I am for the prompt & caring service! It will be quite a while before I'm ready to get another dog, but when I am, I will be returning to Pets Best for veterinary insurance."
1

out of 5

POSTED: | BY: Colton

Choose another company for your puppy's insurance.

Filed multiple claims for ER visits for my 1 year old puppy that all took place within a week. It took them almost a to payout any claim at all and when they did, they barely covered it. To be exact, they paid 1/3 the expense at most. They found any reason possible to deny coverage of medications, office visits, etc. Not happy with this insurance at all.

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 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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