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.
1

out of 5

POSTED: | BY: Dawn Riddervold

My rates went up 35% on 2 dogs age 2…

My rates went up 35% on 2 dogs age 2 and 4. I was told it was because they ate"older" now. Filed a claim a month ago and still waiting to be paid and was told they have 45 days to review and pay complicated claims. My dog had wet dermatitis and required a shaved neck and antibiotics. That's all. Not complicated. These ppl will say anything to sign u up then screw u any chance they can. I'm presently looking for new pet insurance since my rates are now over 100 a month now that the " honeymoon " period is over. They bait u in with a decent price then slam u with a massive rate increase as soon as the policy is renewed. Plus 45 days for any response on a simple claim is unacceptable
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1

out of 5

POSTED: | BY: Kristen Peterson

Not the Best

They will deny every claim that has to do with diarrhea or vomiting if your dog had ANY GI issues before your policy started. Plus, claims take forever to go through.
5

out of 5

POSTED: | BY: Heather Mathias

Won't go without them!

I've used Pets Best for several years now after a beloved companion fought long and hard from cancer. After massive vet bills that nearly destroyed me financially, I researched pet insurance companies and found Pets Best. They have always been helpful and caring. When using their app, submitting a claim cannot be easier. After my deductible is covered, reimbursements are deposited into my account of choice. It is simple and takes one worry off my shoulders when a pet is sick. I learned pet insurance is as important to have today as our own health insurance is.
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1

out of 5

POSTED: | BY: James Wemette

Your processing time is unacceptable

Your processing time is unacceptable. Moreover, the amount that you cover, it is unacceptable. My rates keep going up. The coverage is not worth it.
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3

out of 5

POSTED: | BY: tim stuver

PetsBest is consistently slow in paying…

PetsBest is consistently slow in paying claims. Most recently it took about a month for a simple wellness (annual exam and vaccinations) claim to process and be paid. My experience with other insurers has been quicker.
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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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