Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,884

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

VETERINARIAN: Animal Center

POSTED: | BY: Anna

Wellness visit

Never a problem with Pets Best easy submitting claims and fast response time.
1

out of 5

POSTED: | BY: Yu

Disappointing experience

I’m very disappointed with my experience with Pets Best. First, their mobile app frequently crashes or becomes unavailable, making it impossible to upload claims when needed. A claims process should be reliable and accessible, especially when dealing with urgent pet health issues. Second, almost none of my claims have been completed within the promised timeframe. Instead, I repeatedly receive messages saying, “We Apologize For The Delay.” Delays may happen occasionally, but when it becomes the norm, it reflects poor service and weak claims management. Third, for my most recent claim regarding my dog’s mouth allergy, Pets Best incorrectly grouped it together with a previous seasonal paw allergy claim. These are clearly different medical issues, and this kind of mistake feels careless and unprofessional. Finally, I followed their instructions to mail an appeal letter to the Appeals Department, but the letter was returned because the mailing information was outdated. That means their own contact information was not properly maintained, and the appeal process was unnecessarily difficult and frustrating. Overall, this has been a very disappointing experience. I expected better communication, better accuracy, and a smoother claims process from a pet insurance company.
5

out of 5

VETERINARIAN: Stone Ridge Veterinary Medical Center

POSTED: | BY: Jerry

Mya's Dad

Pets Best has been economically the best insurance we have found to provide coverage for Mya's wellness and emergency coverage.
5

out of 5

VETERINARIAN: Apollo Veterinary Wimberley

POSTED: | BY: Patsy

My Dottie

My Dot has such a hard life. She started out as a rescue. She was left by her owner to her partner. Her partner threw her out during a terrible ice storm. She had never been an outside cat and had no front claws. That's when she showed up on my deck and later in my heart! She had no vet care at all. I took her to the vet and spent over a $1,000. getting her up to date. Later I got her teeth cleaned and that was around $350. I later moved vet clinics. My vet recommended I might want to get pet insurance. I selected Pets Best. I never filed a claim with them until Dottie got sick and we seem to be at the vet all the time. Without Pets Best Insurance Dot would not have been able to have the care for the last couple of years. I highly recommend Pets Best Insurance!
5

out of 5

VETERINARIAN: VetSurg

POSTED: | BY: Colleen

TPLO Surgery times 2

"What a great piece of mind Pets Best insurance has been for me. I have a Labrador Retriever, Willow that has been unfortunate to need TPLO surgery for a torn CCL. Not once but twice this has happened in a 3 year period. Not only was I able to get the best Surgeon around to perform the surgery I had the best insurance around that helped me pay for 90% of the cost. When Willow was a baby, I signed up for Pets Best and have been extremely happy with their easy claims process and fast response time for payment! I would be stressing about the cost of the surgeries had it not been for Pets Best Insurance!! I highly recommend Pets Best to any animal owner that wants the best for their family member!! Thanks for the easy claim process and fast turnaround!"

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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