Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,898

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: Kayleigh

Pay astronomical premiums just to be denied on routine exams.

I have to say this is probably the worst pet insurance company I have ever dealt with. Super high monthly premiums, an app that always crashes or is unavailable, unresponsive agents, and expect all of your claims to be denied after providing every paper under the sun with the dates, totals, pets name, and the authentic Declaration of Independence. Appeal it and just be told no again for a different reason. I’m cancelling and seeking legal action.
5

out of 5

VETERINARIAN: Pet Street Station Animal Hospital

POSTED: | BY: Pamela

Excellent

The office took my dog in as an emergency. The staff was wonderful. My dog was a little snarly ( has been for a long time) and they still treated him with love. The staff and doctor were very informative and answered all my questions and addressed my concerns. He had to stay for a couple of days and let us visit him. They took all my calls when I called to check on him. I am thankful that they were able to accept my dog as a new patient. L
1

out of 5

POSTED: | BY: Canaveral Barton

Don't get dog insurance from your company

Never again
5

out of 5

VETERINARIAN: Beacon Veterinary Specialists

POSTED: | BY: Dheeraj

Excellent and easy claims process!

Our husky had to get a TPLO surgery for a torn ligament. Overall cost came close to $9K. PetsBest processed the claim for our plan (90% coverage) very quickly and gave a full explanation for any items that were not covered. We're fully satisfied with the excellent coverage and service - thank you PetsBest!
5

out of 5

VETERINARIAN: Ralston Vet

POSTED: | BY: Nikki

Phenomenal service

I just love having Pets Best. I have the option of full coverage with unlimited coverage, 90% payout, & I can pick my own deductible & health care plan that I wanted for my girl. My first claim process was so easy & I was actually paid out within 3-5 days. The experience with Pets Best has been amazing! Thank u!

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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