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

POSTED: | BY: Ben

Why am I paying for insurance if you…

Why am I paying for insurance if you don’t cover 70% as stated. You are a scam like most insurance companies. If there isn’t medical history as my cat was healthy for years, why is it necessary to have this? IT DOESNT EXIST!
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5

out of 5

VETERINARIAN: Cascade Veterinary Clinic

POSTED: | BY: Peggy Vines

Ear infection

Mandy gets yeast infection all the time so I have lots of vet bills. Pets best insurance is easy to submit an invoice and normally have a EOB within 3 days and a check in 10 days. Very happy with how my claims are paid. Very worth having the insurance.
5

out of 5

POSTED: | BY: Pet "Parents"

Timely approved payment of claim

After getting the required documents submitted, we are pleased to find out the claim was swiftly approved. The payment to us is on the way.
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5

out of 5

POSTED: | BY: Jacob Chandler

Sometimes it takes a lot of time to get…

Sometimes it takes a lot of time to get reimbursed, so be sure you have money to cover procedures, but overall my experience has been positive with PetsBest and I would recommend having insurance for just in case procedures.
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1

out of 5

POSTED: | BY: Shelly Habel

We are evaluating policies for a dog…

We are evaluating policies for a dog and Pets Best is half as much as the other Company we are considering. We had questions that could not be answered through their website or sample policy (e.g., what is a “participating Veterinarian” to be used to decrease the waiting period after initial enrollment) , so I tried contacting them via chat, but the system was overloaded and they directed you to the website or to call. I called them, noting that they don’t make their number easy to find on the website and the phone tree hurdles you need to clear to get someone are quite the gauntlet; that alone took 2 minutes 14 seconds. I was on hold for 20 minutes with no end in sight and decided that if it’s this difficult to reach them then we don’t want to do business with them.
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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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