Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,162

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: Brian Beker

After one year they double your rate

After one year they double your rate, even after no claims. Then, the one and only claim — for a bee sting, not anything that turned out to be a threatening chronic condition — took the two months to resolve. Avoid this company. I’m looking for another insurer
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1

out of 5

POSTED: | BY: Jake Meyer

50% price increase is outrageous

Your recent price increase is outrageous. It is 50% more than last year. It was $560.00 and now it's $280.00 more. The new year premium total is now $840.00. I understand cost have gone up but I no longer what this insurance as it is no longer affordable. 😪 Pets Best also says you can Change your Policy online but you can't you need to talk to someone so they can try to sell you different coverage. Also be aware that they do an Auto renew and will not let you opt out online, yet they say you can "Change your Policy" online. Then when you call to cancel the policy they prorate it from the policy start date even if no services have been used since. I would have kept my policy if the renewal was not 50% of last years premium. Poor business if you ask me. Jake
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3

out of 5

POSTED: | BY: Anastasia Maria Sdanowich

This time it took over 1 month to…

This time it took over 1 month to process and eventually pay a portion of my claim. Some claims have been denied in the past due to pre-existing conditions or meeting max benefit payment. How can a 10 week old puppy who was rescued from a shelter and thus a puppy mill, be denied. He was a sick boy when I rescued him. Why have insurance, especially for the price I am paying. They should cover more for a rescued puppy.
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3

out of 5

POSTED: | BY: Tara Jagiello

My first claim was approved fast but…

My first claim was approved fast but had to wait for the money to go into my bank account for days. My second claim is still being processed after a week ? No update
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5

out of 5

POSTED: | BY: S. Moore

I’ve never used pet insurance before

I’ve never used pet insurance before. I was unsure which company would be reliable. Pets Best was recommended to me by a trusted coworker. I couldn’t be more pleased! The claims are very easy to place and my reimbursements are automatically deposited into my bank account. They cover exactly what they say they cover. No tricks! The website is very easy to use, and you can always call if you need some individual help. Thank you PetsBest!
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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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