Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,177

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: Burton Creek Vet, Tahoe City, CA

POSTED: | BY: Linda Smith

Filing a Claim Couldn't Be Easier

While filing a claim for our pups unexpected foxtail in the ear, I realized I'd forgotten to file a claim for last years shots (7 months previously). Both claims were extremely easy to file, including two different vet offices. I received continuous communication on both claims, and both were paid in a reasonable amount of time with clear explanation of the benefits. So happy we chose PetsBest for our pups insurance needs right from the start.
5

out of 5

POSTED: | BY: Krissy V

Easy Claim Filing, Reasonable Prices, Good Coverage-2 paws up!

This is the most affordable pet insurance available for the coverage one gets. I have both a dog and cat covered now with a very low deductible and 90% reimbursement. My first claim went through wonderfully. I also have the optional wellness coverage so getting paid back for all the vaccines, wellness exams, and medications, is always a plus! I shopped around prior to signing up and found this company was cheaper than SPOT. My work offered a discount for SPOT but Pets Best was still cheaper. As long as you have your vet send you your bills or give you a paper copy so you can scan, and you get your own vet records, no need to worry if the vet isn't sending records directly to Pet's Best, you can do it yourself! Easy claims process, easy form uploads, and prompt email communication. My cat and dog give them 2 paws up, so I guess that's 4 paws!
5

out of 5

POSTED: | BY: Elaine Carlton

Easy to file claims. Great company

We have a small dog that we have insured with Pets Best for several years. It is very easy to file claims. The explanation of benefits is easy to understand. The cost is reasonable and the increases each year make sense with her increasing age. When I called to speak to an agent he was easy to understand, professional and very helpful. I recommend them highly.
1

out of 5

POSTED: | BY: Rich Spalla

Trash - look elsewhere.

Took weeks after a claim only to get denied. Cat needed shaving due to chronic matting. We get her shaved annually. This is the first time using Pets Best. Claimed denies as “grooming” isn’t covered. Wellness is also not covered. Other plans by other companies offer more for less.
1 comments

POSTED: | BY: Krissy

Wellness is covered if you get the wellness option, which you obviously didn't. Pet's Best is not responsible for people's hurt feelings who don't read policy rules and coverage before they buy. Grooming also is normally not covered in any plan because it normally isn't essential. A cat shouldn't get constantly matted and need to be shaved all the time. It means you aren't caring for it properly, brushing, or bathing it. Don't blame a company for your shortcomings as a cat parent.

1

out of 5

POSTED: | BY: James Grembowiec

Highly upset that reputable Progressive…

Highly upset that reputable Progressive company is partnered with Pets Best insurance. A fradulent company whom denies insurence claims for a simple xray after ive paid my premiums for months. Progressive should do away with thier parnertship and go with a legitimate partner whom i can really Bundle and save. The X-ray showed a hernia in my babys tummy but they won't pay for the X-ray. I have no confidence they will pay to have it fixed like they claim they will and I pay the highest premium for my baby. The worst!
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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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