Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 14,119

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.
5

out of 5

VETERINARIAN: Walden Animal Clinic

POSTED: | BY: Bettyann Barron

Senior Mastiff vs. Osteoarthritis

Our sweet senior, Maisy, has been struggling with her osteoarthritis for over a year and Pets Best has been there for us since the beginning. Medical care for giant dogs is so much more expensive than average but with the support of Pets Best, we have been able to keep Maisy not only comfortable but jumping around happy! With Pets Best's help, we had more options for Maisy's care. We couldn't be happier!
1

out of 5

POSTED: | BY: Jorsan Olson

TERRIBLE

My recent experience with Pets Best has been extremely disappointing. The claim process took far too long, and there was a complete lack of communication throughout. Pets Best never requested the documents they later claimed were “missing,” only to deny the claim because of it. This feels unfair and poorly handled. Customer support has been unhelpful and slow to respond, and every step of the process has required me to follow up multiple times just to get basic updates. For a claim related to a straightforward neuter from February, the delays and confusion are unacceptable. I expected timely communication, clear document requests, and efficient processing—none of which happened. Pets Best needs to seriously improve transparency, response times, and communication with pet owners.
5

out of 5

POSTED: | BY: Lisa Ku

One of the best insurance company for…

One of the best insurance company for pets when it’s time to make a claim. No hassle, super fast processing.
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4

out of 5

POSTED: | BY: Anxious Dog Mom

Peace of Mind

Having pet insurance has saved me time and again. It doesn't cover everything, but so far it's covered the unexpected things, like emergency visits and diagnostic testing. Sometimes there's a wait (4-6 weeks) before a claim is processed, but eventually it all works out. I do wish they covered more standard things, like vaccinations and preventatives, but overall, what I have gotten back is more than what I pay for the year. I don't hesitate over vet bills to make sure my dog gets the best care, and that's the best peace of mind.
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2

out of 5

POSTED: | BY: Todd Rebillot

I've dealt with them several times and…

I've dealt with them several times and have found them to be VERY SLOW in processing claims. Additionally, they say they've paid a claim and it takes forever to actually receive it. Also, when asked why it takes so long, they simply say "short staffed." I made the comment, "maybe I should have considered a different pet insurer," their response was simply, "that's totally up to you. I guess they figure that one less client means less claims to process. I would seriously suggest that you consider other pet insurance options.
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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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