Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,610

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

VETERINARIAN: UGA Veterinary Teaching Hospital

POSTED: | BY: Kaylee

I Will Not Have a Pet Withouth Pet Insurance

On New Year's Eve, our beloved 7 year old dog Zelda was diagnosed with T-Cell Lymphoma after being hospitalized. What we thought was just an upset stomach turned into our worst nightmare. We would have had to make some impossible decisions if we didn't have pet insurance just for her hospitalization as her cancer diagnosis was on the heels of our other 11 year old dog's hospitalization and rare blood cancer diagnosis. You could put money away for a dog's entire lifetime and still not have enough for what we have spent in just 6 months. Pets Best claim process has always been really easy to navigate and I've never had any issues. It is also nice that they have a list with covered medications. Having Pets Best meant we got Zelda feeling better and she got to come home. It meant we got to try every single treatment available without worrying about the financial strain. She got to live what time she had as a normal happy dog unburdened by her cancer. Unfortunately, Zelda only had a partial response to treatment and we just got 2 more months with her but they were a good 60 days and I wouldn't trade them for anything. I appreciate that Pets Best went ahead and saw what her last claim was for and closed her account without me having to call in the aftermath of saying goodbye to her. It took one more thing off my plate, especially because the next week we found out our older dog with the rare blood cancer, also has a soft tissue sarcoma and we don't really have any viable options for him other than cherishing what time we have left. Again, you could put money away every month for a very long time and still not have enough for what we have submitted claims for in the past 6 months. You never know what's going to happen, Pets Best gave us peace of mind.
5

out of 5

VETERINARIAN: River Road Animal Hospital

POSTED: | BY: Steve

Finley's Pet INsurance

Excellent customer service end to end. Very user friendly web site and claims processing tool. Excellent and timely communications, and friendly, helpful, knowledgeable, and professional team. Top notch service organization. They are top notch, and I highly recommend them for your pet's needs!
5

out of 5

POSTED: | BY: Debi Naccarto

Best Decision I Every Made for my Dog

Great company to work with for my dog. Easy to file. Good coverage. Rapid response.
5

out of 5

VETERINARIAN: Ocean Avenue Veterinary Hospital

POSTED: | BY: Angela

Petsbest is the best!

First time dog owner and was skeptical about pet insurance but I have had such a great experience! PetsBest gives great returns and I’ve received my reimbursement in less than 2 weeks every time!
5

out of 5

POSTED: | BY: Andrea

Claim process

Always easy and quick with payment and coverage. No hassle and efficient

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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