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.
4

out of 5

POSTED: | BY: Steph

Pets Best was responsive and caring…

Pets Best was responsive and caring after our 3 year old German Shepherd had a serious issue with emergency surgery and we appreciated their working with us to see how our policy helped cover those expenses. P.S.- Their program to call a vet for medical questions is also a wonderful program for customers and their pets!
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3

out of 5

POSTED: | BY: Jainita Patel

Unacceptable Wait Times but Claim Paid

I have been with Pets Best for 3.5 years now. For the first 2.5 years, I had no complaints but since they were bought out by a different company, their service has been extraordinarily slow. My dog had surgery on 8/27 and I submitted the claim for the procedure the very next day. At midnight on the 42nd day (the very last day of their promised turn around time) I received a notice that my claim was closed because they couldn't contact my vet. The next morning, I was able to contact my vet and get them the missing paperwork within 3 hours. The only reason it took so long is because Pets Best made me wait 1 hour to talk to a rep to figure out what paperwork was missing and another 1.5 hours again to tell another rep that I had submitted all of the paperwork. Additionally, the vet said they had never been contacted, so I am wondering if Pets Best ever even reached out to them. After waiting for another 30 days, they finally processed my claim. I will say that they did fully cover my dog's surgery as promised in my policy but it took close to 3 months and several hours of waiting and following up to ensure that the claim was processed.
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1

out of 5

POSTED: | BY: Travis Williams

If I could give 0 stars

If I could give 0 stars, I would. Absolute total scam of a company. Purchased for my puppy in 2022. Had to use them about 3 months after purchase and they denied the claim stating it was too close to purchase date. Went to use them again and they stated they cancelled my policy last week so I can’t use them. So I’m out of pocket MRI and many more expenses. DO NOT GO WITH PETS BEST
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5

out of 5

POSTED: | BY: Lanette Luchenbill

Quick processing

My claim is submitted was processed same day. I was with another company and there claims took 2 months or more to process so this was a welcome change. My payout hasn't come yet but it's still early.
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1

out of 5

POSTED: | BY: C B

It takes weeks to get a claim paid

It takes weeks to get a claim paid, and most of them are considered “pre-existing.”
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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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