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.
1

out of 5

POSTED: | BY: Melanie Overskei

Beware and never get this pet insurance

I wouldn't recommend this pet insurance to anyone!! Negative stars would be better. I previously had Nationwide with my other dog and they were amazing. First, they NEVER answer their phone in a reasonable time. You have to wait and wait. BUT if you put you are a new customer they will answer. Second, they deny EVERYTHING! My dog hurt his leg and had an ear infection. Denied. They said not covered. I have had them for years and NOTHING has been covered. Last, they just keep raising rates for not covering anything! They are the most expensive insurance out there. Do you research!
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5

out of 5

POSTED: | BY: Karl

Had to turn in 3 claims and was done…

Had to turn in 3 claims and was done very quickly Great service
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1

out of 5

POSTED: | BY: Jesse

Unclear process, terrible communication

After many months of waiting and effort spent trying to understand what PB wanted to move to process along, my claim was finally processed (I still do not understand what actually worked). There was no way to contact anyone who could actually help me, phone support said they could only guess what was happening and all I could do was cross my fingers and hope my claim would actually be processed and not closed without any warning or helpful information. I submitted my claim, recieved no comminication only to have my claim closed after a month with no idea what could be done about it. Repeat this process 4 or so times. I honestly feel like Pets Best was stalling and hoping I would eventually give up on my claim so they wouldn't have to pay out. I will not be renewing my coverage and I am telling every pet owner I know and everyone at the dog park to avoid Pets Best like the plague.
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5

out of 5

POSTED: | BY: Philip Werner

I have had Pet's Best Insurance…

I have had Pet's Best Insurance coverage for about 15 years. Very straightforward coverage; claims have been timely made. Very glad I can count on them.
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2

out of 5

POSTED: | BY: Kevin Dobson

Slow service

Took way too long for our claim to be paid out when all of the paperwork was sent in. I'm sure my policy would be cancelled if it took me as long to pay my bill.
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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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