Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 15,145

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: Tammy Rosenbaum

Iam very pleased with Pets Best

Iam very pleased with Pets Best insurance. I bought it when I got Cooper, my cocker spaniel as a puppy. My previous cocker spaniel suffered through cushions disease. I didnt have insurance then. Pets Best has paid well on Cooper's bills. Its easy to submit a claim. Their payments are often within a day or two after submission of a claim. Consider Pets Best. You won't regret.
1

out of 5

POSTED: | BY: Melissa

The entire company needs overhauling

Pet Insurance is a way to bridge the gap when your pet has an illness, or accident but what happens when things don't work as they should? This company has some internal issues. From their debit processing not working with Bank of America to their online system not allowing email update to their claim system being an absolute joke. What was I paying for? Absolutely nothing, so eventually I downgraded. I had the absolute highest tier 90% for my healthy cat, including wellness but it was money down the drain since I rarely filed any claims and my cat continued to age and they continued to increase the policy amount. Eventually I reduced my policy until I cancelled the illness and wellness policies and am currently on an accident only policy. Would not recommend. I received an email stating my vet had not responded with medical records for my cat and that I had two days to submit the medical records before the claim would be closed. The very next day I received an email that the claim was closed with explanations citing lack of medical records and advising me that I could reapply for the claim. This was absolutely horrible claim service. Instead of PetsBest believing me regarding the accident only claim, that I sent with pictures and an explanation with the invoice, they asked for preexisting conditions. There are no preexisting conditions. It's an accident that happened. They were attempting any way possible not to pay the claim. PetsBest could have given me the opportunity to submit the medical records sooner or given me a longer window than two days, once they claimed they did not receive the records from my vet. Also when I spoke with my vet she said she never received a request from PetsBest. When I looked at my claim explanation it listed a Ventura location, not my Apple Valley location. Clearly the underwriters made mistakes and did not pay attention to detail. This further reduces my faith in this company. I did nothing wrong and my cat was involved in an incident that by your their policy qualifies as an accident. This entire situation was handled poorly and none of it was my fault. PetsBest is a horrible company. I've been with PetsBest since 2019 and I cannot believe the level of incompetence and poor service I receive. Definitely would not recommend to others.
5

out of 5

VETERINARIAN: Clifton Ave Animal Hospital

POSTED: | BY: Sara

M

"I'm very please with PetsBests, my baby Jasmine is been under their policy for 6 years. Durring this time she had two surgeries and have visited her veterinary several times. Every time PetBests responded quickly quickly to my claims. "
5

out of 5

VETERINARIAN: Walnut Creek Veterinary Hospital

POSTED: | BY: Wendy

Very Satisfied

I have had Pets Best for 3 years. At the time I purchased the policy, I had no idea that my dog was about to face some real health challenges. One required a major operation and the other requires life long monitering and medication. I have been very happy with the responsiveness of Pets Best in paying my claims.
5

out of 5

POSTED: | BY: Reign

Wonderful company

Wonderful company! We really never have any trouble having our vet bills covered by them!

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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