Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,615

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: Donna Ashton

Appreciate faster claim turn-around!

I have used Pets Best for 2 years. The first year, it took a very long time to get claims processed. I would say this last year it has greatly improved! I had a minor issue with my last claim (my fault) and had to call customer care and they were very courteous- it was resolved quickly. I appreciate that you can speak to a live person without going through hoops. I have been very happy so far.
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5

out of 5

POSTED: | BY: Jodi

Must have pet insurance

Our new puppy scout has had a tough start with several G.I. issues prompting a vet visit. On our first visit, our veterinarian recommended Pets best. I’ve never had insurance for my pet in the past, but went ahead and did it. I am so glad as I have had to make several claims which processed very easily and no issues through Pets best. It gave me the peace of mind to be able to take my dog in and not worry about a large bill. I’ve recommended Pets best to all of my friends, and I know that several have went forward with getting insurance. Thank you, Pets best for taking good care of our dog
5

out of 5

VETERINARIAN: Community Animal Hospital

POSTED: | BY: Janis M

Excellent care and claim processed quickly

Our dog was suspected of ingesting a Christmas tree ornament. She was trembling, vomiting and clingy. Our vet took us in right away and took good care of our dog. Xrays and blood work were done. This was right before the busy holidays. The claim was processed and paid quickly.
1

out of 5

POSTED: | BY: Kareem

This is a hustle, get another insurance company

Basically lots of double talk and bs. Too many hoops to jump through when its time for them to help, except when they take your money.
2

out of 5

POSTED: | BY: Jeffrey

Over $400 in charges. only $60 paid

On a $400 claim, Pets Best denied all but $60 saying "wellness maximum benefit exceeded." These were claims for January - when did I exceed my annual maximum benefit for the year? Also, it doesn't appear the unpaid expenses were even credited toward my annual deductible - what a rip-off.
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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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