Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,162

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 Hospital of Sussex County

POSTED: | BY: Kirsten Parra

Awful Insurance

I have a healthy puppy. I have purchased the top tier insurance with pets best. It is AWFUL!! Everything is denied and if it's not denied, it's covered very minimally. I pay a lot monthly to have next to nothing covered. Being a puppy, he has eaten a few things that have given him parasites at different times in the last 18 months. Each incident has been completely unrelated to the last yet I am denied every time and told it is because he already had parasites when I adopted him so it's now considered an existing condition. What!? It is not the same infection. Good grief! I will be canceling my pets best insurance!
5

out of 5

VETERINARIAN: APAW Veterinary Hospital & Wellness Center

POSTED: | BY: Desire Grogan

The Best Pet Insurance

"Whenever I have the need to process a claim for my fur-babies, I receive an expedient response from Pets Best about what is allowable and what I can expect. My Vet responds well to Pets Best's queries for further information, so that there is minimal delay in processing my claim~! I am grateful to have this insurance for my fur-babies at an affordable price~!!!"
5

out of 5

VETERINARIAN: Keene Veterinary Hospital

POSTED: | BY: Troy Basham

The most trusted insurance provider there is!

I will use Pets Best for all my pet insurance needs. Easy, fast and through. There absolutely is none better than!
5

out of 5

POSTED: | BY: David Harding

PetsBest is Best

Could not have had an easier experience working with PetsBest for my Husky. We needed two TPLO surgeries and a lot of medication. PetsBest made it simple to file a claim and cover their end based on my plan. I was given horror stories from friends about dealing with pet insurance companies but my experience with PetsBest could not have been better. Thank you PetsBest!!!
5

out of 5

POSTED: | BY: Irving Ricardo Barron Martinez

I am incredibly grateful for PetsBest

I am incredibly grateful for PetsBest. Our beloved Princess, who unfortunately passed away, required multiple tests and medications, all of which PetsBest covered. PetsBest not only allowed us to provide the best quality of life for our precious Princess but also helped us avoid financial hardship during a challenging time. I am giving a 5-star review, though I would rate it 4.5 stars if that were an option, due to a couple of areas for improvement. First, while PetsBest ultimately covered all expenses, the review process for the initial claims took quite some time (around a month). However, after those first few claims, subsequent reviews were much quicker (less than two weeks). Second, their direct vet payment option could be more user-friendly. To this day, I am unsure how it works or how to use it, as the instructions provided were not clear in my opinion. Despite these points, PetsBest has earned a 5-star review for their excellent support and compassion. For example, after Princess passed away, our family was devastated and not focused on things such as cancelling Princess insurance. PetsBest not only canceled Princess’s policy to prevent additional charges but also reimbursed us for part of the insurance premium for the month she passed away. This level of care and understanding was truly appreciated. In summary, I highly recommend PetsBest and will continue using their services for our other dog. They provide excellent coverage and support when you need it most. That said, there is room for improvement, particularly in the claims review process and direct vet payment system, which could make an already great service even better. Lastly, a reminder to pet owners: be aware that pre-existing conditions are not covered under the insurance.

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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