Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,902

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.
4

out of 5

VETERINARIAN: Bridgetown Veterinary Emergency + Referral

POSTED: | BY: Judy

Reluable

Occasionally back logged, but more often reliable and fair, providing quick reimbursement of claims. Customer service very pleasant, courteous and knowledgeable. Helpful responses to questions and issues.
1

out of 5

POSTED: | BY: Alicia

Saved our girl

Pets Best has been extremely easy to work with. Easy to upload documents and our turn around time is less than 10 days from submitting to repayment.
5

out of 5

POSTED: | BY: Ilana

Peace of Mind

Pets Best lives up to their mission - we initially took out a policy, knowing that veterinary care can be costly, but never thought we'd be looking at a cancer diagnosis. It's a great peace of mind that we have the policy and our Luna's care is covered. We hope to have her with us for a long time, and this insurance policy makes that possible financially.
5

out of 5

POSTED: | BY: Amanda

Pets Best claims experience

I was prepared with an itemized statement and that really helped the claim go smoothly. I'm so glad I had insurance and no one plans to use it but they really came through. I had an emergency situation with my cat and definitely wasn't planning on that kind of bill either. The decision came through faster than expected and the payout did too. I definitely plan on recommending Pets Best to others
4

out of 5

POSTED: | BY: Vivica

Puppy’s First Appointment

My puppy who is now 15 weeks old, went in for her first appointment to get her vaccines and a check up when she was 12 weeks old! It was a decent chunk out of my pocket and as a part time employee I knew insurance would be necessary in raising her so I could always ensure she'd receive the best care possible. She got everything she needed and it came up a little under $300. I got a little over $200 back and it really helped as I sometimes struggle to keep up on bills when such large expenses come up. It did take a few weeks for my claim to be processed and to receive my reimbursement but that's the only downside I've found so far. I think customer satisfaction would be much higher if Pets Best found a way to speed up the processing time significantly, without increasing the amount of claims denied like many other pet insurance companies have managed to do. Other than that, filing my claim was easy and for the time being, I have not had any issues with the company cutting too many corners to avoid helping me and my pup out to the extent that my policy requires. I hope that I continue to have good experiences with Pets Best but I also hope that the processing time of claims will decrease over time whilst maintaining the same standard!

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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