Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 15,698

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.
1

out of 5

VETERINARIAN: Animal Medical Center

POSTED: | BY: Janessa

Disappointing coverage when you actually need it

I would not recommend Pets Best. I’ve paid my premiums expecting genuine protection when my dog needs veterinary care, yet they appear to use an extremely broad interpretation of “pre-existing condition” to deny claims. My recent claim was denied in its entirety by linking aear haematoma to a previous history of allergies, even denying the urgent examination and diagnostic testing. Insurance only has value if it actually provides reasonable coverage when you need it. Based on my experience, I have very little confidence in Pets Best and would strongly advise pet owners to read their exclusions very carefully before purchasing a policy.
5

out of 5

VETERINARIAN: Cascade Veterinary Hospital

POSTED: | BY: Sharon

So Fast and Easy!

Pets Best insurance is the best. The claims process couldn't be easier. They have processed all of my claims in only a couple of days. The reimbursement shows up quickly in my bank account.
5

out of 5

POSTED: | BY: Sara

Great experience!

To file my puppy's claim after a visit to the emergency room was super easy. I filed my claim on a Friday, by Monday I had an email saying they were reviewing my claim within a week I got the an email stating my refund and not long after the refund was deposited into my account. I've been telling all my friends with pets what a great experience this was, you always expect the worst when having to deal with insurance companies so this was a great surprise!
5

out of 5

VETERINARIAN: Lake Animal Hospital

POSTED: | BY: Debra

Handy

The payment for our claim came at a very handy time for us, and it made us feel that having insurance was worthwhile.
5

out of 5

POSTED: | BY: B

Recent Pets Best Claim

I've been very pleased with my Pets Best experience. As a first time policy holder, I appreciate the ease of submitting a claim. Like a lot of people, money is a concern. Having insurance for my dogs gives me some peace of mind in case of an emergency. I recommend the company often
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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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