Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 15,145

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: Smoky Mountain Animal Clinic

POSTED: | BY: Ginger

Socks - 1st vaccines

Socks is a rescue kitten from eastern Kentucky. When I found her, she had a bad back leg and was unsure of her health. When I took her to the vet - Smoky Mountain Animal Clinic. The vet looked at her leg, decided to see if it would heal on its own. They also declared she was too young to start vaccines! They scheduled a second appointment- 4 weeks later! Took her back. They gave Socks her first round of vaccines. Checked her leg - healed on its own. She is doing great! Submitted the claim which was very easy on the app. Within 24 hours - I received confirmation of how much the return would be.
5

out of 5

VETERINARIAN: Sienna at 6 Veterinary Hospital

POSTED: | BY: Leslie

Easy claims process

User friendly process and easy to understand explanation of benefits
5

out of 5

VETERINARIAN: Allisonville Animal Hospital

POSTED: | BY: Deming

Claim Fixes

When I filed my claim, I did not understand that there was a waiting period for illness - this is on me. However, I took my new cat in for a routine checkup and it was found that he had an ear and eye infection. Because of the waiting period the infection medication and appointment was not covered, but wellness meds were. Once I called and stated that the appointment was for routine care, and they just happened to find the infections PetsBest adjusted the claim and covered the appointment! I'm a little upset that it didn't cover the medication, however, that was on me for not understanding that there was a waiting period. Overall, PetsBest has been highly responsive, the agent on the phone was super helpful in explaining everything, and updating the claim. It did take a while, but that's totally okay! Great service, good coverage, and easy to use!
1

out of 5

POSTED: | BY: Lisa Scott Benson

Don't waste your money

Pets Best Insurance is a complete waste of money. No matter what I submitted, Pets Best Insurance always denied my claim stating that the issue was due to pre-existing conditions. The only pre-existing condition my dog has are allergies. I never submitted a claim for allergy treatment, but no matter what claim I did submit somehow Pets Best Insurance always tied it to allergies and refused my claim. My vet said this was unethical because the claims I submitted were not allergy-related. Pets Best Insurance also requested my dog's health history repeatedly despite the fact that their customer service phone reps twice verified they had it on file. When I finally appealed one denial with support from my vet, they sent my appeal to an "independent" veterinarian on their payroll for a second opinion. Of course the denial was upheld. Please don't waste your $75 to $250 a month. You will not receive above-board service, and they simply try to wear you down with their tactics for more information. Owning and caring for a pet is expensive to begin with; don't make it more so by wasting your money with Pet's Best Insurance.
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5

out of 5

POSTED: | BY: Cathy

Easy Claims Process

I've had other pet insurance before and filing claims was always a hassle. I had my receipts and uploaded on the app which took less than 5 minutes. A decision was made a few days later and my check arrived the following week. Had I opted for direct deposit, it would have been faster. End to end such an easy process."
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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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