Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,171

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: Alisha

I had a pretty good experience with…

I had a pretty good experience with Pets Best. The reason for the 4stars is that the claim basic wellness took forever. Also they don't cover dental cleaning with their wellness add ons. Otherwise very friendly staff & vets.
5

out of 5

POSTED: | BY: David Hastings

Worse than messy poop!

This is the slowest, poorly organized company EVER! They have a wonderfully easy claim service followed by PITIFUL WAIT TIME! A month to process claims? Find another company!
2

out of 5

POSTED: | BY: Sam Hastings

Communication Problems Between Pets Best & Vet

I’ve heard great things about Pets Best and I really want to love it too, but it’s not been so great for me. Submitting claims is fairly simple (a little confusing at first, but they give feedback for missed documents and it’s pretty easy to update claims.) My biggest gripe is how long my claims are taking to be processed. I had to euthanize my cat in June. Pets Best took until the end of August, after 2 months of “we apologize for the delay- there’s nothing you need to do on your end” emails, to finally let me know they couldn’t reach one of the vets on my cat’s care team. They were, however, able to contact the mobile vet/company who actually did the euthanasia so I feel very frustrated that this claim hasn’t been processed and is now in limbo just because they couldn’t reach my cat’s primary vet (who didn’t do any part of the euthanasia.) It’s very painful to have to keep going through the muck to get a now-deceased loved one’s claims processed. It’s also very difficult to reach a person on the phone and it’s completely impossible to remove an insured pet through the app or website. There’s a chat feature that doesn’t work. It will never let you talk to a person and it will just tell you to go to the app or website. I was also under the impression I would be reimbursed for the prorated policy date, but to my knowledge I have not been.
5

out of 5

POSTED: | BY: Anna Maria

Updates

They keep you updated on the progress of your claim. They let you know when it is received and at various intervals along the process.
1

out of 5

POSTED: | BY: A. Ruiz

Terrible!!!

Terrible!!!! I had to send in my pets paperwork from the veterinarian three times because they keep on asking to send it which I did again three times Pets Best is getting to be pets worse nightmare.

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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