Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,573

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: Linda Fontana

Good choice of coverage

Was easy to apply and prices are very reasonable for the coverage you receive. Filed my first claim and it was processed within 6 days and reimbursement on the way.
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4

out of 5

POSTED: | BY: Jessica R.

I’ve had Pets Best for about 6 years…

I’ve had Pets Best for about 6 years now. It’s been very helpful when there have been medical emergencies with my pet. The only downside to this insurance is that it can take 3+ weeks to get your claims processed and then another 5-7 days to get reimbursed. When I first started using this company, the wait time was shorter between claims and reimbursement.
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2

out of 5

POSTED: | BY: Terry Dawson

Web site not available for a month. Mobile app started working but some functioned not working

Have been satisfied for a few years until recently. The web site will not let me sign on, get a 404 error. This has been going on for a month. The mobile app just started working to sign on, but can't get to any functions like setup and payment setup. Called support number and they were no help at all.
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2

out of 5

POSTED: | BY: Juan

We had a few issues when we filed a…

We had a few issues when we filed a claim. First we had a difficult time gaining access to our online account. We called for support and were given an e mail address to file a claim because their were issues in our access to filing a claim on our online account. After we filed the claim using the email address given to us there was no answer back concerning the status to our claim. We checked our online account which we finally had access to and our claim was not on our account. When we called we were told a claim was never received despite the fact we used the email given to us to file the claim as an alternative. Once the file was claimed there was another delay despite us giving all the information necessary. Considering the cost of this insurance I’m disappointed with the overall process. My claim was finally filed and now we wait for our money. The experience was lacking. We are seriously considering another pet insurance company due to the process we hoped would be efficient.
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4

out of 5

POSTED: | BY: Amber

Better for emergency services

The claim was quick which I appreciated. I am disappointed at how little they pay for spays though. I thought it was more than 150. I don't know of any place where it would that cheap. I feel like I could take the money that I'm paying for the additional benefits and save it and pay more for things that pay for the best wellness portion. The coverage for emergencies I find is very important though.
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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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