5
out of 5
POSTED: | BY: Julie H
Payout is quick and is always correct
Payout is quick and is always correct
Read more on Trustpilot
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.
3
out of 5
POSTED: | BY: KT
Look elsewhere. Private equity owned now.
First off, my premium has skyrocketed in the last couple of years, now more than double what it was when we joined. Second, they are denying more claims as time goes on, similar to how human health insurance claims to cover you but finds a way not to. Third, I feel there is absolutely a premium increase based on your usage, and other users have pointed this out on Reddit (having two dogs, making claims for one and not the other and seeing a difference in their annual premium increases). I loathe that this company was bought by private equity; that was the beginning of true downfall. I wish I had chosen one that wasn’t, but I’m stuck with it now, as my pet has “pre existing conditions” in the eyes of any other insurance. Overall, getting policy coverage payouts is too hard, since they continually ask for more documentation to slow you and have you drop off during that process; it’s a known tactic. Why 3 stars? Bec at this point, they are still paying out most claims (with extra work) and the employees are lovely.
But if I was someone buying a new policy, I’d look elsewhere.
5
out of 5
VETERINARIAN: Encino Veterinary Center
POSTED: | BY: Michelle
Deductible
I didn't realize there was an overall yearly deductible. We mainly bought this insurance in case our dachshund ever had back issues and needed care which can be VERY expensive. So, until something like that happens (which I hope it never does) we will probably not meet our yearly deductible.
5
out of 5
VETERINARIAN: The Moriches Hospital For Animals
POSTED: | BY: Kimberly
Happy with Pet's Best Insurance
It is easy to file claims on Pet's Best. Their staff are friendly and helpful.
5
out of 5
POSTED: | BY: Patricia
Totally satisfied
I made a mistake and had my bill bundled, which made it ineligible for a refund. When I called Pets Best to see if I could have the receipt redone properly and resubmit it, the representative separated the items herself and submitted the result for review. I got a substantial amount back. The process was amazingly easy, and I'm really impressed by their honesty. I've already recommended Pets Best to everyone I know who has a pet, and I intend to keep on doing so.
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.