Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,169

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

VETERINARIAN: Veterinary Emergency Group

POSTED: | BY: Whitney Richardson

Worthless Product - Do NOT waste your money on PetsBest

My dog accidentally severely injured his leg while at the dog park. He was shrieking in pain and completely unable to walk. I felt confident that I could afford to seek the care he desperately needed with my Accidental Injury Policy from PetsBest. I was WRONG. PetsBest refused to pay the claim. Under the policy they promised to cover costs related to accidental injuries. They did no such thing. They covered nothing related to the accidental injury. I am left with a vet bill that I cannot afford and unable to pay my rent because I foolishly believed that if I paid for this insurance, PetsBest would honor its obligations under the policy. I can't think of a worse waste of money than the payments I have been making to PetsBest.
3

out of 5

POSTED: | BY: Noreen Raso

It took too long to get through to…

It took too long to get through to speak with someone. I’ve had this insurance over 3 years and I never incurred this much trouble trying to get reimbursement. I wouldn’t recommend this insurance
5

out of 5

POSTED: | BY: Monica Austin

I have always had great service from this company…

I have always had great service from this company. The claims sometimes take a bit longer to get. But it's always in a timely manner.
5

out of 5

POSTED: | BY: Shannon Russell

The service covers our dog and his…

The service covers our dog and his health care needs.
3

out of 5

POSTED: | BY: Mary

Super Slow Once You Meet Your Deductible

I recently submitted a claim for my dog, who had emergency surgery. The bill was eventually approved and reimbursement issued, but it took a month to receive approval and reimbursement. I have 4 additional outstanding claims, one of which is 3 weeks old, that I still haven't heard anything on, other than a polite "sorry this is taking longer than usual" email. But if all my claims take this long, is it really "longer than usual"? Quite a different experience to before I met my deductible, when they would process my claim and issue an EOB in a day. Almost as if they don't want to issue reimbursement.

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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