Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,160

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: Justin Young

I can’t recommend

After being insured for over five years, the time came to file a claim for a major event that resulted in ER care. Provided all records from our standard vet and the ER Clinic. Deny. Deny. Deny! Make sure you go through the appeals process and then file a complaint with your State’s Department of Insurance. Pet insurance isn’t as cut and dry as human insurance; diagnosis coding guidelines, etc. In some instances, vets have been contacted my pet insurance plans and requested to alter their notes- of course to get the company out from paying claims.
1

out of 5

POSTED: | BY: JOSE CASTRO

Not paying claim

Pest Best dont't pay the claims for services and always give you the excuse of the deductible needs to be paid fist, even when the amount for the deductible has been paid in full for the year. This looks like a scam should take legal action about it.
5

out of 5

VETERINARIAN: Danada Veterinary Hospital

POSTED: | BY: Martha Conner

Esay & Efficient

Every claims process was incredibly easy and efficient. When my cat passed away, they automatically canceled the policy and credited my account for the prorated amount. Always a positive experience with Pets Best. I have recommended the company to several of my friends and family with pets.
5

out of 5

VETERINARIAN: North Texas Veterinary Clinic

POSTED: | BY: Judy Hickman

Wellness Coverage

Our new puppy has been to the vet twice for vaccinations, and both times, the claim was approved immediately. My account was set for direct deposit and the refund was deposited within a few days. Download the app on your phone, take a picture of the itemized vet receipt including your payment, and send it to Pets Best. "
5

out of 5

VETERINARIAN: Bulger Veterinary Hospital

POSTED: | BY: Leigh Kirsten

Dropped Nationwide and Chose Pets Best

So far, so good. Seems like a good insurance company. Reimbursed for my Heartguard Plus!
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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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