Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,149

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: Elizabeth Nichols

80% coverage and only 60% covered. Disgustingly Misleading

Rather than covering 80% of the entire vet bill like the wording of my contract heavily implies, the company decided to pay 80% of each individual piece of my dogs surgery. Leading to only a little over half of the entire bill being being covered which is absolutely disgusting and misleading. Additionally it took over a month to process my claim with no explanation when I had everything submitted immediately after the surgery. I’m extremely unhappy with this insurance company.
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5

out of 5

POSTED: | BY: Leslie Walenta

I am very pleased with Pets Best…

I am very pleased with Pets Best Insurance. They have paid every claim I have submitted. I recommend them to friends and family when asked about pet insurance.
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5

out of 5

VETERINARIAN: Bayshore Animal Hospital

POSTED: | BY: Reign Dominguez

Invaluable!

I love Pet's Best insurance! They have always paid out on our claims without much of a fight. I have been a Pets' Best policy holder for 20 years and will continue to keep my pets insured with them as long as I have animals. =)
5

out of 5

VETERINARIAN: AMC of Garner Veterinary Hospital

POSTED: | BY: Victoria McCann

Easy filing claims, responsive but lacking in coverage

For a healthy, young pet like mine, I need little services other than wellness checks/vaccines and meds like heartworm and flea/tick. The coverage I get from Pets Best reimburses me for some expenses but I feel there should be more coverage. I end up paying way more to have the insurance than it provides back in benefits but I understand that's just insurance. They do make it easy to file claims and communicate well about their processing of claims/payments. Just wish they covered services more fully.
5

out of 5

VETERINARIAN: Liberty Veterinary Clinic

POSTED: | BY: Amanda Watson

Quick and Easy Claims and Reimbursement

This was the first claim I've had to submit as my formerly completely healthy cat was diagnosed with a heart condition. We had a pretty hefty bill from the cardiologist and I was worried it would be difficult to submit a claim but to my pleasant surprise it couldn't have been easier! I got the claims result back in less than two days and received the reimbursement in a week which was really impressive. I'm thankful there was one less thing to worry about in an already stressful time. Thanks Pets Best!
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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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