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.
3

out of 5

POSTED: | BY: Karen Henderson Flagg

The response time for claims is slow

The response time for claims is slow. I also worry about premiums increasing for me next year by an amount that will not be reasonable. I just heard from a friend that her premiums went up after her first year even though you paid no claims out to her.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Jennifer

Easy submission of the claim and fast turnaround time.

Easy submission of the claim. Fast turnaround time on reimbursement. Great coverage.
Read more on Trustpilot
4

out of 5

POSTED: | BY: Nancy Ward

Incorrect information on reimbursement

I was told that because my Simparica trip covered both heartworm and flea and tick, that I would be reimbursed for both heartworm prevention and flea and tick prevention. The medication is $217 but I was only reimbursed for flea and tick. So instead of $30 for heartworm and $50 for flea and tick, I only got $50. I feel I should have received both, it was what I paid for with essential wellness.
Read more on Trustpilot
1

out of 5

POSTED: | BY: Nathan Wagoner

THIS PLACE SEEMS LIKE A SCAM TO ME

THIS PLACE SEEMS LIKE A SCAM TO ME. DO NOT TRUST THEM. I purchased this insurance and filed a claim after the 14 day "Pet Effective Date". This claim was processing for more than 2 months, all while they charged me a monthly insurance fee. After those 2 months they have denied my claim saying it occurred within the 14 day period prior to the "Pet Effective Date". I have provided proof that this isn't the case with an itemized and dated invoice from the Animal Hospital. When attempting to reach the company to dispute this I have had to wait on hold for insanely long periods before being able to speak to anyone.
Read more on Trustpilot
5

out of 5

POSTED: | BY: PCC

Always easy and seamless

Always easy and seamless. Communication and updates timely.
Read more on Trustpilot
Please leave a review

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.
Provider website

Get a quote today

Leave a review