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.
5

out of 5

POSTED: | BY: Efrain Ruiz

They are serious people

They are serious people. Take their time with claims, but do their job and honor their commitments. Just got a check for almost 1,000$ after hitting my deductible. Can’t recommend them enough
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5

out of 5

POSTED: | BY: GINA L.

Great insurance company

Great insurance company. The reimbursements take a little while but I understand they have to gather and review medical records for each claim and that I’m not their only client! Customer service has always been helpful as well. I like the ease of submitting claims and that you can add notes to the submission. I also appreciate the wide range of services they cover. Hoping someday they will consider covering herbal and supplemental meds if they are prescribed by the vet.. I know no one does that currently though. I recommended Pets Best when people ask because they know I’ve tried other dog insurance companies and I do think Pets Best is one of the best ones out there!
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5

out of 5

POSTED: | BY: Bruce Breitweiser

Easy to file a claim

Your process for adjudicating a claim is very easy. All I have to do is upload the invoice(s) and wait for your EOB.
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5

out of 5

POSTED: | BY: Amalia Galluzzo

It's been very smooth and easy

It's been very smooth and easy. When I've spoken to anyone, they were always pleasant. Quick turn around on payments. *Not sure about a large payment?
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4

out of 5

POSTED: | BY: M

Great service but not without the odd glitch.

I have had Pets Best insurance for several years, was previously with 2 other providers. I have my 3 current dogs all insured with them. I like the way you can choose your coverage level and deductable level, this really helps based on your budget. You hope to never have to use it but that's what insurance is I guess but when one of your dogs suddenly needs $7000+ in medical services it's a game changer! However if would be nice if more vets or Pets Best had direct billing so you are not initially out of pocket. Regarding claims I've found that sometimes you will be reimbursed within a couple of days, sometimes several weeks which I've never understood. Phone help has always been very good with them. I would give a 5 star but as I mentioned it's a 4 based solely on the direct bill and claim payment time, other than that they've been excellent and my dogs get the care they need.
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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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