Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,945

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: Beth

Pets Best Provides Stress Relief

I adopted a 3 year old large breed dog 5 years ago and I chose Pets Best Insurance after careful research. I have been more than satisfied with the ease of completing a claim, the clarity of explanation of benefits and the ease of receiving payment. As my dog ages she needs more and more healthcare and I am confident every time we go into the veterinarian office because I know I have the financial support from Pets Best. Such a stress relief for the family!
5

out of 5

VETERINARIAN: VCA Hollywood Animal Hospital

POSTED: | BY: Laura

My experience with Pets Best

This year we were notified of my dog's heart condition. I'm incredibly grateful to have Pets Best for Buddy's health needs. Knowing that I didn't had to worry about the cost of his veterinary care. Because of their help, Buddy received necessary treatment and care, which provided us with an additional six months with him before his passing. This insurance went above and beyond, and they are highly recommended to any pet owner.
3

out of 5

POSTED: | BY: Chris

Sub par

A lot of the regular charges are not "applicable" to you all and thus dismissed. Also your reimbursement time frame is far from fast. My insurance for a relatively healthy dog keeps going up year over year with really no reasoning.
5

out of 5

POSTED: | BY: Stewart Warren

Very pleased with Pet’s Best insurance…

Very pleased with Pet’s Best insurance for my dog Finn. Always responsive to my questions and usually pays claims within a reasonable window of time.
5

out of 5

POSTED: | BY: Basia Eva

As a trauma RN I have consistently…

As a trauma RN I have consistently recommended this insurance for its ease of service, always a live agent to help you and excellent coverage. My husky was diagnosed with cancer at age 2 and they have never refused a claim and have helped us financially get through this period so he can still run at the dog park. Thank you!

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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