Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 15,698

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: Cladda Veterinary Emergency Team

POSTED: | BY: Heather

Glad u had insurance

When my cat needed emergency surgery, the claim process was straightforward and reimbursement was much faster than I expected. Having the coverage took a huge amount of financial stress out of an already stressful situation. Definitely worth having.
5

out of 5

VETERINARIAN: Central Bucks Veterinary Hospital

POSTED: | BY: Lisa

Broon

Best insurance for your pet! Never had an issue. Super responsive, easy process, paid quickly.
5

out of 5

VETERINARIAN: Shiloh Veterinary Hospital - East

POSTED: | BY: Bethann

Very Satisfied

Pet’s Best continues to help us quickly. Everything is clear on the explanation of benefits and it gives us peace of mind when there's an issue. On this recent vet visit, all $500+ was covered and we got reimbursed for everything other than our 10% copay. We would recommend Pet's Best. "
5

out of 5

VETERINARIAN: Maine Veterinary Medical Center

POSTED: | BY: Denise

Fast and Easy Claim process

This was the first time I had to use my dogs pet insurance. He needed to see an ophthalmologist and ended up needing cryosurgery on some eyelashes that were growing, where they didn't belong. And poking him in the eyes. The claim process was easy and fast. I submitted his claim on a Thursday and on Saturday had an email that it had been processed. And that I would be having money deposited in my account in 5 to 7 days! I did have to call to clarify something. The customer service person that I spoke with was very friendly knowledgeable. I always preach to everyone how important pet insurance is the cost of specialized veterinary care is expensive. of course. It's reassuring to know that you're able to provide care. Okay a procedure and not worry about how you're going to pay for it.
1

out of 5

VETERINARIAN: St. Francis Veterinary Hospital

POSTED: | BY: Diana

Horrible claim handling process

Submitted claim with all details and receipt. Then they asked for vet documentation. It was sent in timely manner. They acknowledged thay had it. Then they requested again but last 12 months of records, my dog had his first vet visit in January so there was no 12 months to provide. I explained. They closed claim. I had to email them, no phone to call, they had to re-open claim. Took over 3 months to get decision.
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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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